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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 | $98,898 | $160,028-38.2% | $147,080-32.8% | $145,884-32.2% |
| Participation rate | 95.5% | 84.0%+11.4pp | 82.2%+13.3pp | 80.3%+15.2pp |
| Annual return | 17.05% | 98.60%-81.5pp | 420.17%-403.1pp | 551.85%-534.8pp |
| Employer contribution / active EE | $4,231 | $5,286-20.0% | $4,933-14.2% | $4,662-9.3% |
| Participant deferral / active EE | $12,076 | $8,422+43.4% | $8,066+49.7% | $6,690+80.5% |
| Admin fee / account holder | $5,139 | $15,030-65.8% | $12,989-60.4% | $13,392-61.6% |