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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 | $45,632 | $160,028-71.5% | $147,080-69.0% | $145,884-68.7% |
| Participation rate | 94.7% | 84.0%+10.7pp | 82.2%+12.6pp | 80.3%+14.4pp |
| Annual return | 13.92% | 98.60%-84.7pp | 420.17%-406.2pp | 551.85%-537.9pp |
| Employer contribution / active EE | $4,340 | $5,286-17.9% | $4,933-12.0% | $4,662-6.9% |
| Participant deferral / active EE | $5,198 | $8,422-38.3% | $8,066-35.6% | $6,690-22.3% |
| Admin fee / account holder | $9,703 | $15,030-35.4% | $12,989-25.3% | $13,392-27.5% |