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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 | $104,587 | $160,040-34.6% | $147,096-28.9% | $145,877-28.3% |
| Participation rate | 88.2% | 84.0%+4.2pp | 82.2%+6.1pp | 80.3%+7.9pp |
| Annual return | 15.47% | 98.49%-83.0pp | 419.75%-404.3pp | 551.28%-535.8pp |
| Employer contribution / active EE | $2,787 | $5,289-47.3% | $4,936-43.5% | $4,663-40.2% |
| Participant deferral / active EE | $5,008 | $8,429-40.6% | $8,071-37.9% | $6,691-25.1% |
| Admin fee / account holder | $1,001 | $15,050-93.4% | $13,005-92.3% | $13,402-92.5% |