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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 | $126,040 | $160,040-21.2% | $147,096-14.3% | $145,877-13.6% |
| Participation rate | 92.3% | 84.0%+8.3pp | 82.2%+10.1pp | 80.3%+12.0pp |
| Annual return | 10.96% | 98.49%-87.5pp | 419.75%-408.8pp | 551.28%-540.3pp |
| Employer contribution / active EE | $4,288 | $5,289-18.9% | $4,936-13.1% | $4,663-8.0% |
| Participant deferral / active EE | $4,514 | $8,429-46.4% | $8,071-44.1% | $6,691-32.5% |
| Admin fee / account holder | $10,131 | $15,050-32.7% | $13,005-22.1% | $13,402-24.4% |