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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 | $114,717 | $160,040-28.3% | $147,096-22.0% | $145,877-21.4% |
| Participation rate | 84.2% | 84.0%+0.2pp | 82.2%+2.0pp | 80.3%+3.9pp |
| Annual return | 13.28% | 98.49%-85.2pp | 419.75%-406.5pp | 551.28%-538.0pp |
| Employer contribution / active EE | $3,932 | $5,289-25.7% | $4,936-20.3% | $4,663-15.7% |
| Participant deferral / active EE | $8,840 | $8,429+4.9% | $8,071+9.5% | $6,691+32.1% |
| Admin fee / account holder | $15,075 | $15,050+0.2% | $13,005+15.9% | $13,402+12.5% |