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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 | $159,934-28.3% | $147,005-22.0% | $145,959-21.4% |
| Participation rate | 84.2% | 84.0%+0.2pp | 82.2%+2.0pp | 80.3%+3.9pp |
| Annual return | 13.28% | 98.24%-85.0pp | 418.76%-405.5pp | 561.95%-548.7pp |
| Employer contribution / active EE | $3,932 | $5,287-25.6% | $4,934-20.3% | $4,661-15.6% |
| Participant deferral / active EE | $8,840 | $8,427+4.9% | $8,070+9.5% | $6,689+32.2% |
| Admin fee / account holder | $15,075 | $15,053+0.1% | $13,006+15.9% | $13,398+12.5% |