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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 | $74,810 | $160,070-53.3% | $147,117-49.1% | $145,897-48.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 12.89% | 98.69%-85.8pp | 420.54%-407.6pp | 552.29%-539.4pp |
| Employer contribution / active EE | $1,744 | $5,285-67.0% | $4,932-64.7% | $4,663-62.6% |
| Participant deferral / active EE | $7,638 | $8,419-9.3% | $8,065-5.3% | $6,689+14.2% |
| Admin fee / account holder | $3,878 | $15,035-74.2% | $12,993-70.2% | $13,390-71.0% |