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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 | $119,577 | $160,028-25.3% | $147,080-18.7% | $145,884-18.0% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 21.28% | 98.60%-77.3pp | 420.17%-398.9pp | 551.85%-530.6pp |
| Employer contribution / active EE | $3,017 | $5,286-42.9% | $4,933-38.8% | $4,662-35.3% |
| Participant deferral / active EE | $7,818 | $8,422-7.2% | $8,066-3.1% | $6,690+16.9% |
| Admin fee / account holder | $12,959 | $15,030-13.8% | $12,989-0.2% | $13,392-3.2% |