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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 | $111,488 | $160,070-30.4% | $147,117-24.2% | $145,897-23.6% |
| Participation rate | 90.5% | 84.0%+6.5pp | 82.2%+8.3pp | 80.3%+10.2pp |
| Annual return | 16.08% | 98.69%-82.6pp | 420.54%-404.5pp | 552.29%-536.2pp |
| Employer contribution / active EE | $2,706 | $5,285-48.8% | $4,932-45.1% | $4,663-42.0% |
| Participant deferral / active EE | $13,078 | $8,419+55.3% | $8,065+62.2% | $6,689+95.5% |
| Admin fee / account holder | $19,764 | $15,035+31.5% | $12,993+52.1% | $13,390+47.6% |