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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 | $78,794 | $160,028-50.8% | $147,080-46.4% | $145,884-46.0% |
| Participation rate | 71.4% | 84.0%-12.6pp | 82.2%-10.8pp | 80.3%-8.9pp |
| Annual return | 14.67% | 98.60%-83.9pp | 420.17%-405.5pp | 551.85%-537.2pp |
| Employer contribution / active EE | $3,898 | $5,286-26.3% | $4,933-21.0% | $4,662-16.4% |
| Participant deferral / active EE | $5,356 | $8,422-36.4% | $8,066-33.6% | $6,690-19.9% |
| Admin fee / account holder | $471 | $15,030-96.9% | $12,989-96.4% | $13,392-96.5% |