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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 | $147,835 | $160,040-7.6% | $147,096+0.5% | $145,877+1.3% |
| Participation rate | 95.0% | 84.0%+11.0pp | 82.2%+12.8pp | 80.3%+14.7pp |
| Annual return | 10.55% | 98.49%-87.9pp | 419.75%-409.2pp | 551.28%-540.7pp |
| Employer contribution / active EE | $3,402 | $5,289-35.7% | $4,936-31.1% | $4,663-27.0% |
| Participant deferral / active EE | $4,842 | $8,429-42.6% | $8,071-40.0% | $6,691-27.6% |
| Admin fee / account holder | $1,757 | $15,050-88.3% | $13,005-86.5% | $13,402-86.9% |