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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 | $80,446 | $160,070-49.7% | $147,117-45.3% | $145,897-44.9% |
| Participation rate | 95.2% | 84.0%+11.2pp | 82.2%+13.1pp | 80.3%+14.9pp |
| Annual return | 16.69% | 98.69%-82.0pp | 420.54%-403.8pp | 552.29%-535.6pp |
| Employer contribution / active EE | $4,729 | $5,285-10.5% | $4,932-4.1% | $4,663+1.4% |
| Participant deferral / active EE | $8,661 | $8,419+2.9% | $8,065+7.4% | $6,689+29.5% |
| Admin fee / account holder | $684 | $15,035-95.5% | $12,993-94.7% | $13,390-94.9% |