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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 | $117,813 | $160,070-26.4% | $147,117-19.9% | $145,897-19.2% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 16.74% | 98.69%-81.9pp | 420.54%-403.8pp | 552.29%-535.5pp |
| Employer contribution / active EE | $4,957 | $5,285-6.2% | $4,932+0.5% | $4,663+6.3% |
| Participant deferral / active EE | $12,394 | $8,419+47.2% | $8,065+53.7% | $6,689+85.3% |
| Admin fee / account holder | $8,688 | $15,035-42.2% | $12,993-33.1% | $13,390-35.1% |