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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 | $96,911 | $160,070-39.5% | $147,117-34.1% | $145,897-33.6% |
| Participation rate | 90.9% | 84.0%+6.9pp | 82.2%+8.7pp | 80.3%+10.6pp |
| Annual return | 16.57% | 98.69%-82.1pp | 420.54%-404.0pp | 552.29%-535.7pp |
| Employer contribution / active EE | $3,711 | $5,285-29.8% | $4,932-24.8% | $4,663-20.4% |
| Participant deferral / active EE | $9,454 | $8,419+12.3% | $8,065+17.2% | $6,689+41.3% |
| Admin fee / account holder | $33,531 | $15,035+123.0% | $12,993+158.1% | $13,390+150.4% |