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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 | $178,898 | $159,978+11.8% | $147,041+21.7% | $145,978+22.6% |
| Participation rate | 84.6% | 84.0%+0.6pp | 82.2%+2.4pp | 80.3%+4.3pp |
| Annual return | 9.76% | 98.36%-88.6pp | 419.21%-409.5pp | 550.52%-540.8pp |
| Employer contribution / active EE | $3,276 | $5,288-38.1% | $4,935-33.6% | $4,662-29.7% |
| Participant deferral / active EE | $6,754 | $8,429-19.9% | $8,071-16.3% | $6,690+1.0% |
| Admin fee / account holder | $11,155 | $15,053-25.9% | $13,006-14.2% | $13,400-16.8% |