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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 | $22,324 | $160,028-86.0% | $147,080-84.8% | $145,884-84.7% |
| Participation rate | 78.3% | 84.0%-5.8pp | 82.2%-3.9pp | 80.3%-2.0pp |
| Annual return | 26.45% | 98.60%-72.1pp | 420.17%-393.7pp | 551.85%-525.4pp |
| Employer contribution / active EE | $4,116 | $5,286-22.1% | $4,933-16.6% | $4,662-11.7% |
| Participant deferral / active EE | $2,979 | $8,422-64.6% | $8,066-63.1% | $6,690-55.5% |
| Admin fee / account holder | $418 | $15,030-97.2% | $12,989-96.8% | $13,392-96.9% |