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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 | $30,495 | $160,028-80.9% | $147,080-79.3% | $145,884-79.1% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 24.20% | 98.60%-74.4pp | 420.17%-396.0pp | 551.85%-527.6pp |
| Employer contribution / active EE | $3,673 | $5,286-30.5% | $4,933-25.6% | $4,662-21.2% |
| Participant deferral / active EE | $5,029 | $8,422-40.3% | $8,066-37.7% | $6,690-24.8% |
| Admin fee / account holder | $1,169 | $15,030-92.2% | $12,989-91.0% | $13,392-91.3% |