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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 | $160,040-50.9% | $147,096-46.6% | $145,877-46.2% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 12.40% | 98.49%-86.1pp | 419.75%-407.3pp | 551.28%-538.9pp |
| Employer contribution / active EE | $3,193 | $5,289-39.6% | $4,936-35.3% | $4,663-31.5% |
| Participant deferral / active EE | $5,690 | $8,429-32.5% | $8,071-29.5% | $6,691-15.0% |
| Admin fee / account holder | $14,068 | $15,050-6.5% | $13,005+8.2% | $13,402+5.0% |