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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 | $83,565 | $160,070-47.8% | $147,117-43.2% | $145,897-42.7% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.1pp | 80.3%+3.0pp |
| Annual return | 16.26% | 98.69%-82.4pp | 420.54%-404.3pp | 552.29%-536.0pp |
| Employer contribution / active EE | $2,121 | $5,285-59.9% | $4,932-57.0% | $4,663-54.5% |
| Participant deferral / active EE | $8,171 | $8,419-3.0% | $8,065+1.3% | $6,689+22.1% |
| Admin fee / account holder | $431 | $15,035-97.1% | $12,993-96.7% | $13,390-96.8% |