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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $129,328 | $160,040-19.2% | $147,096-12.1% | $145,877-11.3% |
| Participation rate | 81.8% | 84.0%-2.2pp | 82.2%-0.4pp | 80.3%+1.5pp |
| Annual return | 13.26% | 98.49%-85.2pp | 419.75%-406.5pp | 551.28%-538.0pp |
| Employer contribution / active EE | $8,339 | $5,289+57.6% | $4,936+68.9% | $4,663+78.8% |
| Participant deferral / active EE | $5,929 | $8,429-29.7% | $8,071-26.5% | $6,691-11.4% |
| Admin fee / account holder | $1,027 | $15,050-93.2% | $13,005-92.1% | $13,402-92.3% |