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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 | $94,148 | $160,040-41.2% | $147,096-36.0% | $145,877-35.5% |
| Participation rate | 89.5% | 84.0%+5.5pp | 82.2%+7.3pp | 80.3%+9.2pp |
| Annual return | 11.23% | 98.49%-87.3pp | 419.75%-408.5pp | 551.28%-540.1pp |
| Employer contribution / active EE | $3,144 | $5,289-40.6% | $4,936-36.3% | $4,663-32.6% |
| Participant deferral / active EE | $7,685 | $8,429-8.8% | $8,071-4.8% | $6,691+14.9% |
| Admin fee / account holder | $423 | $15,050-97.2% | $13,005-96.7% | $13,402-96.8% |