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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 | $36,383 | $160,040-77.3% | $147,096-75.3% | $145,877-75.1% |
| Participation rate | 94.4% | 84.0%+10.4pp | 82.2%+12.3pp | 80.3%+14.1pp |
| Annual return | 15.13% | 98.49%-83.4pp | 419.75%-404.6pp | 551.28%-536.2pp |
| Employer contribution / active EE | $3,037 | $5,289-42.6% | $4,936-38.5% | $4,663-34.9% |
| Participant deferral / active EE | $5,406 | $8,429-35.9% | $8,071-33.0% | $6,691-19.2% |
| Admin fee / account holder | $961 | $15,050-93.6% | $13,005-92.6% | $13,402-92.8% |