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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 | $20,291 | $160,028-87.3% | $147,080-86.2% | $145,884-86.1% |
| Participation rate | 88.2% | 84.0%+4.2pp | 82.2%+6.1pp | 80.3%+7.9pp |
| Annual return | 19.70% | 98.60%-78.9pp | 420.17%-400.5pp | 551.85%-532.1pp |
| Employer contribution / active EE | $4,950 | $5,286-6.3% | $4,933+0.3% | $4,662+6.2% |
| Participant deferral / active EE | $8,792 | $8,422+4.4% | $8,066+9.0% | $6,690+31.4% |
| Admin fee / account holder | $12,277 | $15,030-18.3% | $12,989-5.5% | $13,392-8.3% |