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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 | $104,486 | $159,934-34.7% | $147,005-28.9% | $145,959-28.4% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 11.93% | 98.24%-86.3pp | 418.76%-406.8pp | 561.95%-550.0pp |
| Employer contribution / active EE | $5,075 | $5,287-4.0% | $4,934+2.8% | $4,661+8.9% |
| Participant deferral / active EE | $10,410 | $8,427+23.5% | $8,070+29.0% | $6,689+55.6% |
| Admin fee / account holder | $2,934 | $15,053-80.5% | $13,006-77.4% | $13,398-78.1% |