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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 | $90,322 | $160,040-43.6% | $147,096-38.6% | $145,877-38.1% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.2%-2.2pp | 80.3%-0.3pp |
| Annual return | 13.54% | 98.49%-85.0pp | 419.75%-406.2pp | 551.28%-537.7pp |
| Employer contribution / active EE | $3,006 | $5,289-43.2% | $4,936-39.1% | $4,663-35.5% |
| Participant deferral / active EE | $6,518 | $8,429-22.7% | $8,071-19.2% | $6,691-2.6% |
| Admin fee / account holder | $21,657 | $15,050+43.9% | $13,005+66.5% | $13,402+61.6% |