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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 | $124,211 | $160,028-22.4% | $147,080-15.5% | $145,884-14.9% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.2%-2.2pp | 80.3%-0.3pp |
| Annual return | 15.04% | 98.60%-83.6pp | 420.17%-405.1pp | 551.85%-536.8pp |
| Employer contribution / active EE | $3,459 | $5,286-34.6% | $4,933-29.9% | $4,662-25.8% |
| Participant deferral / active EE | $9,966 | $8,422+18.3% | $8,066+23.6% | $6,690+49.0% |
| Admin fee / account holder | $539 | $15,030-96.4% | $12,989-95.9% | $13,392-96.0% |