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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 | $161,599 | $160,070+1.0% | $147,117+9.8% | $145,897+10.8% |
| Participation rate | 72.7% | 84.0%-11.3pp | 82.2%-9.5pp | 80.3%-7.6pp |
| Annual return | 13.93% | 98.69%-84.8pp | 420.54%-406.6pp | 552.29%-538.4pp |
| Employer contribution / active EE | $3,312 | $5,285-37.3% | $4,932-32.9% | $4,663-29.0% |
| Participant deferral / active EE | $9,758 | $8,419+15.9% | $8,065+21.0% | $6,689+45.9% |
| Admin fee / account holder | $39,951 | $15,035+165.7% | $12,993+207.5% | $13,390+198.4% |