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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 | $160,028-39.4% | $147,080-34.1% | $145,884-33.6% |
| Participation rate | 90.9% | 84.0%+6.9pp | 82.2%+8.7pp | 80.3%+10.6pp |
| Annual return | 16.57% | 98.60%-82.0pp | 420.17%-403.6pp | 551.85%-535.3pp |
| Employer contribution / active EE | $3,711 | $5,286-29.8% | $4,933-24.8% | $4,662-20.4% |
| Participant deferral / active EE | $9,454 | $8,422+12.3% | $8,066+17.2% | $6,690+41.3% |
| Admin fee / account holder | $33,531 | $15,030+123.1% | $12,989+158.2% | $13,392+150.4% |