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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 | $59,426 | $160,070-62.9% | $147,117-59.6% | $145,897-59.3% |
| Participation rate | 91.7% | 84.0%+7.6pp | 82.2%+9.5pp | 80.3%+11.4pp |
| Annual return | 12.81% | 98.69%-85.9pp | 420.54%-407.7pp | 552.29%-539.5pp |
| Employer contribution / active EE | $1,825 | $5,285-65.5% | $4,932-63.0% | $4,663-60.9% |
| Participant deferral / active EE | $6,408 | $8,419-23.9% | $8,065-20.5% | $6,689-4.2% |
| Admin fee / account holder | $2,034 | $15,035-86.5% | $12,993-84.3% | $13,390-84.8% |