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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 | $16,317 | $103,008-84.2% | $90,304-81.9% | $152,897-89.3% |
| Participation rate | 92.9% | 75.9%+17.0pp | 73.3%+19.6pp | 82.5%+10.4pp |
| Annual return | 18.40% | 95.22%-76.8pp | 78.13%-59.7pp | 345.43%-327.0pp |
| Employer contribution / active EE | $2,644 | $3,139-15.8% | $2,855-7.4% | $4,764-44.5% |
| Participant deferral / active EE | $6,404 | $4,281+49.6% | $3,885+64.8% | $5,851+9.4% |
| Admin fee / account holder | $5,178 | $6,175-16.1% | $5,354-3.3% | $11,599-55.4% |