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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 | $148,546 | $166,242-10.6% | $165,071-10.0% | $145,884+1.8% |
| Participation rate | 90.9% | 82.0%+8.9pp | 78.6%+12.3pp | 80.3%+10.6pp |
| Annual return | 14.04% | 100.44%-86.4pp | 70.17%-56.1pp | 551.85%-537.8pp |
| Employer contribution / active EE | $1,267 | $5,283-76.0% | $4,347-70.9% | $4,662-72.8% |
| Participant deferral / active EE | $3,472 | $6,964-50.1% | $6,035-42.5% | $6,690-48.1% |
| Admin fee / account holder | $7,274 | $16,658-56.3% | $12,695-42.7% | $13,392-45.7% |