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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 | $160,028-34.7% | $147,080-29.0% | $145,884-28.4% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 11.93% | 98.60%-86.7pp | 420.17%-408.2pp | 551.85%-539.9pp |
| Employer contribution / active EE | $5,075 | $5,286-4.0% | $4,933+2.9% | $4,662+8.8% |
| Participant deferral / active EE | $10,410 | $8,422+23.6% | $8,066+29.1% | $6,690+55.6% |
| Admin fee / account holder | $2,934 | $15,030-80.5% | $12,989-77.4% | $13,392-78.1% |