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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 | $202,384 | $160,040+26.5% | $147,096+37.6% | $145,877+38.7% |
| Participation rate | 76.5% | 84.0%-7.6pp | 82.2%-5.7pp | 80.3%-3.8pp |
| Annual return | 11.62% | 98.49%-86.9pp | 419.75%-408.1pp | 551.28%-539.7pp |
| Employer contribution / active EE | $2,654 | $5,289-49.8% | $4,936-46.2% | $4,663-43.1% |
| Participant deferral / active EE | $9,116 | $8,429+8.2% | $8,071+13.0% | $6,691+36.3% |
| Admin fee / account holder | $21,806 | $15,050+44.9% | $13,005+67.7% | $13,402+62.7% |