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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 | $102,033 | $160,028-36.2% | $147,080-30.6% | $145,884-30.1% |
| Participation rate | 88.2% | 84.0%+4.2pp | 82.2%+6.1pp | 80.3%+7.9pp |
| Annual return | 13.63% | 98.60%-85.0pp | 420.17%-406.5pp | 551.85%-538.2pp |
| Employer contribution / active EE | $6,715 | $5,286+27.0% | $4,933+36.1% | $4,662+44.0% |
| Participant deferral / active EE | $5,873 | $8,422-30.3% | $8,066-27.2% | $6,690-12.2% |
| Admin fee / account holder | $4,870 | $15,030-67.6% | $12,989-62.5% | $13,392-63.6% |