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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 | $160,040-86.6% | $147,096-85.4% | $145,877-85.3% |
| Participation rate | 95.5% | 84.0%+11.4pp | 82.2%+13.3pp | 80.3%+15.2pp |
| Annual return | 14.41% | 98.49%-84.1pp | 419.75%-405.3pp | 551.28%-536.9pp |
| Employer contribution / active EE | $3,611 | $5,289-31.7% | $4,936-26.8% | $4,663-22.5% |
| Participant deferral / active EE | $7,098 | $8,429-15.8% | $8,071-12.1% | $6,691+6.1% |
| Admin fee / account holder | $1,136 | $15,050-92.5% | $13,005-91.3% | $13,402-91.5% |