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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 | $86,392 | $160,028-46.0% | $147,080-41.3% | $145,884-40.8% |
| Participation rate | 85.7% | 84.0%+1.7pp | 82.2%+3.5pp | 80.3%+5.4pp |
| Annual return | 11.54% | 98.60%-87.1pp | 420.17%-408.6pp | 551.85%-540.3pp |
| Employer contribution / active EE | $4,164 | $5,286-21.2% | $4,933-15.6% | $4,662-10.7% |
| Participant deferral / active EE | $7,386 | $8,422-12.3% | $8,066-8.4% | $6,690+10.4% |
| Admin fee / account holder | $1,195 | $15,030-92.0% | $12,989-90.8% | $13,392-91.1% |