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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 | $78,544 | $160,070-50.9% | $147,117-46.6% | $145,897-46.2% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.1pp | 80.3%+3.0pp |
| Annual return | 12.40% | 98.69%-86.3pp | 420.54%-408.1pp | 552.29%-539.9pp |
| Employer contribution / active EE | $3,193 | $5,285-39.6% | $4,932-35.3% | $4,663-31.5% |
| Participant deferral / active EE | $5,690 | $8,419-32.4% | $8,065-29.4% | $6,689-14.9% |
| Admin fee / account holder | $14,068 | $15,035-6.4% | $12,993+8.3% | $13,390+5.1% |