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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 | $21,445 | $160,028-86.6% | $147,080-85.4% | $145,884-85.3% |
| Participation rate | 95.5% | 84.0%+11.4pp | 82.2%+13.3pp | 80.3%+15.2pp |
| Annual return | 14.41% | 98.60%-84.2pp | 420.17%-405.8pp | 551.85%-537.4pp |
| Employer contribution / active EE | $3,611 | $5,286-31.7% | $4,933-26.8% | $4,662-22.5% |
| Participant deferral / active EE | $7,098 | $8,422-15.7% | $8,066-12.0% | $6,690+6.1% |
| Admin fee / account holder | $1,136 | $15,030-92.4% | $12,989-91.3% | $13,392-91.5% |