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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 | $126,782 | $159,934-20.7% | $147,005-13.8% | $145,959-13.1% |
| Participation rate | 71.4% | 84.0%-12.6pp | 82.2%-10.7pp | 80.3%-8.9pp |
| Annual return | 13.48% | 98.24%-84.8pp | 418.76%-405.3pp | 561.95%-548.5pp |
| Employer contribution / active EE | $3,048 | $5,287-42.4% | $4,934-38.2% | $4,661-34.6% |
| Participant deferral / active EE | $9,319 | $8,427+10.6% | $8,070+15.5% | $6,689+39.3% |
| Admin fee / account holder | $1,118 | $15,053-92.6% | $13,006-91.4% | $13,398-91.7% |