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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 | $160,040-30.3% | $147,096-24.2% | $145,877-23.6% |
| Participation rate | 90.5% | 84.0%+6.5pp | 82.2%+8.3pp | 80.3%+10.2pp |
| Annual return | 16.08% | 98.49%-82.4pp | 419.75%-403.7pp | 551.28%-535.2pp |
| Employer contribution / active EE | $2,706 | $5,289-48.8% | $4,936-45.2% | $4,663-42.0% |
| Participant deferral / active EE | $13,078 | $8,429+55.2% | $8,071+62.0% | $6,691+95.5% |
| Admin fee / account holder | $19,764 | $15,050+31.3% | $13,005+52.0% | $13,402+47.5% |