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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 | $88,561 | $159,978-44.6% | $147,041-39.8% | $145,978-39.3% |
| Participation rate | 92.9% | 84.0%+8.9pp | 82.2%+10.7pp | 80.3%+12.6pp |
| Annual return | 15.84% | 98.36%-82.5pp | 419.21%-403.4pp | 550.52%-534.7pp |
| Employer contribution / active EE | $2,542 | $5,288-51.9% | $4,935-48.5% | $4,662-45.5% |
| Participant deferral / active EE | $7,710 | $8,429-8.5% | $8,071-4.5% | $6,690+15.3% |
| Admin fee / account holder | $1,906 | $15,053-87.3% | $13,006-85.3% | $13,400-85.8% |