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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 | $47,301 | $160,028-70.4% | $147,080-67.8% | $145,884-67.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 16.29% | 98.60%-82.3pp | 420.17%-403.9pp | 551.85%-535.6pp |
| Employer contribution / active EE | $6,296 | $5,286+19.1% | $4,933+27.6% | $4,662+35.0% |
| Participant deferral / active EE | $4,320 | $8,422-48.7% | $8,066-46.4% | $6,690-35.4% |
| Admin fee / account holder | $455 | $15,030-97.0% | $12,989-96.5% | $13,392-96.6% |