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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 | $49,216 | $160,028-69.2% | $147,080-66.5% | $145,884-66.3% |
| Participation rate | 94.4% | 84.0%+10.4pp | 82.2%+12.3pp | 80.3%+14.1pp |
| Annual return | 19.66% | 98.60%-78.9pp | 420.17%-400.5pp | 551.85%-532.2pp |
| Employer contribution / active EE | $4,866 | $5,286-7.9% | $4,933-1.4% | $4,662+4.4% |
| Participant deferral / active EE | $12,741 | $8,422+51.3% | $8,066+58.0% | $6,690+90.5% |
| Admin fee / account holder | $430 | $15,030-97.1% | $12,989-96.7% | $13,392-96.8% |