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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 | $128,738 | $160,040-19.6% | $147,096-12.5% | $145,877-11.7% |
| Participation rate | 84.2% | 84.0%+0.2pp | 82.2%+2.0pp | 80.3%+3.9pp |
| Annual return | 12.73% | 98.49%-85.8pp | 419.75%-407.0pp | 551.28%-538.6pp |
| Employer contribution / active EE | $4,350 | $5,289-17.8% | $4,936-11.9% | $4,663-6.7% |
| Participant deferral / active EE | $12,361 | $8,429+46.6% | $8,071+53.1% | $6,691+84.7% |
| Admin fee / account holder | $29,329 | $15,050+94.9% | $13,005+125.5% | $13,402+118.8% |