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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 | $123,603 | $160,028-22.8% | $147,080-16.0% | $145,884-15.3% |
| Participation rate | 81.8% | 84.0%-2.2pp | 82.2%-0.4pp | 80.3%+1.5pp |
| Annual return | 12.72% | 98.60%-85.9pp | 420.17%-407.5pp | 551.85%-539.1pp |
| Employer contribution / active EE | $6,167 | $5,286+16.7% | $4,933+25.0% | $4,662+32.3% |
| Participant deferral / active EE | $9,502 | $8,422+12.8% | $8,066+17.8% | $6,690+42.0% |
| Admin fee / account holder | $454 | $15,030-97.0% | $12,989-96.5% | $13,392-96.6% |