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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 | $117,522 | $160,070-26.6% | $147,117-20.1% | $145,897-19.4% |
| Participation rate | 76.5% | 84.0%-7.6pp | 82.2%-5.7pp | 80.3%-3.8pp |
| Annual return | 11.63% | 98.69%-87.1pp | 420.54%-408.9pp | 552.29%-540.7pp |
| Employer contribution / active EE | $4,512 | $5,285-14.6% | $4,932-8.5% | $4,663-3.2% |
| Participant deferral / active EE | $9,809 | $8,419+16.5% | $8,065+21.6% | $6,689+46.6% |
| Admin fee / account holder | $733 | $15,035-95.1% | $12,993-94.4% | $13,390-94.5% |