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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 | $127,525 | $160,028-20.3% | $147,080-13.3% | $145,884-12.6% |
| Participation rate | 76.2% | 84.0%-7.8pp | 82.2%-6.0pp | 80.3%-4.1pp |
| Annual return | 13.36% | 98.60%-85.2pp | 420.17%-406.8pp | 551.85%-538.5pp |
| Employer contribution / active EE | $3,671 | $5,286-30.5% | $4,933-25.6% | $4,662-21.3% |
| Participant deferral / active EE | $10,847 | $8,422+28.8% | $8,066+34.5% | $6,690+62.2% |
| Admin fee / account holder | $1,631 | $15,030-89.1% | $12,989-87.4% | $13,392-87.8% |