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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 | $136,646 | $160,040-14.6% | $147,096-7.1% | $145,877-6.3% |
| Participation rate | 92.3% | 84.0%+8.3pp | 82.2%+10.1pp | 80.3%+12.0pp |
| Annual return | 12.03% | 98.49%-86.5pp | 419.75%-407.7pp | 551.28%-539.2pp |
| Employer contribution / active EE | $4,329 | $5,289-18.2% | $4,936-12.3% | $4,663-7.2% |
| Participant deferral / active EE | $11,580 | $8,429+37.4% | $8,071+43.5% | $6,691+73.1% |
| Admin fee / account holder | $28,145 | $15,050+87.0% | $13,005+116.4% | $13,402+110.0% |