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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 | $114,921 | $160,028-28.2% | $147,080-21.9% | $145,884-21.2% |
| Participation rate | 94.4% | 84.0%+10.4pp | 82.2%+12.3pp | 80.3%+14.1pp |
| Annual return | 14.20% | 98.60%-84.4pp | 420.17%-406.0pp | 551.85%-537.6pp |
| Employer contribution / active EE | $9,484 | $5,286+79.4% | $4,933+92.2% | $4,662+103.4% |
| Participant deferral / active EE | $13,171 | $8,422+56.4% | $8,066+63.3% | $6,690+96.9% |
| Admin fee / account holder | $2,274 | $15,030-84.9% | $12,989-82.5% | $13,392-83.0% |