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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 | $44,555 | $160,040-72.2% | $147,096-69.7% | $145,877-69.5% |
| Participation rate | 95.2% | 84.0%+11.2pp | 82.2%+13.1pp | 80.3%+14.9pp |
| Annual return | 14.51% | 98.49%-84.0pp | 419.75%-405.2pp | 551.28%-536.8pp |
| Employer contribution / active EE | $6,347 | $5,289+20.0% | $4,936+28.6% | $4,663+36.1% |
| Participant deferral / active EE | $18,255 | $8,429+116.6% | $8,071+126.2% | $6,691+172.8% |
| Admin fee / account holder | $5,065 | $15,050-66.3% | $13,005-61.1% | $13,402-62.2% |