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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 | $82,953 | $160,070-48.2% | $147,117-43.6% | $145,897-43.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 15.58% | 98.69%-83.1pp | 420.54%-405.0pp | 552.29%-536.7pp |
| Employer contribution / active EE | $5,000 | $5,285-5.4% | $4,932+1.4% | $4,663+7.2% |
| Participant deferral / active EE | $7,874 | $8,419-6.5% | $8,065-2.4% | $6,689+17.7% |
| Admin fee / account holder | $4,698 | $15,035-68.8% | $12,993-63.8% | $13,390-64.9% |