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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 | $76,786 | $160,040-52.0% | $147,096-47.8% | $145,877-47.4% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 13.33% | 98.49%-85.2pp | 419.75%-406.4pp | 551.28%-538.0pp |
| Employer contribution / active EE | $1,445 | $5,289-72.7% | $4,936-70.7% | $4,663-69.0% |
| Participant deferral / active EE | $12,609 | $8,429+49.6% | $8,071+56.2% | $6,691+88.5% |
| Admin fee / account holder | $8,460 | $15,050-43.8% | $13,005-34.9% | $13,402-36.9% |