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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 | $160,040-26.6% | $147,096-20.1% | $145,877-19.4% |
| Participation rate | 76.5% | 84.0%-7.6pp | 82.2%-5.7pp | 80.3%-3.8pp |
| Annual return | 11.63% | 98.49%-86.9pp | 419.75%-408.1pp | 551.28%-539.7pp |
| Employer contribution / active EE | $4,512 | $5,289-14.7% | $4,936-8.6% | $4,663-3.2% |
| Participant deferral / active EE | $9,809 | $8,429+16.4% | $8,071+21.5% | $6,691+46.6% |
| Admin fee / account holder | $733 | $15,050-95.1% | $13,005-94.4% | $13,402-94.5% |