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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 | $40,610 | $160,070-74.6% | $147,117-72.4% | $145,897-72.2% |
| Participation rate | 91.3% | 84.0%+7.3pp | 82.2%+9.1pp | 80.3%+11.0pp |
| Annual return | 11.02% | 98.69%-87.7pp | 420.54%-409.5pp | 552.29%-541.3pp |
| Employer contribution / active EE | $3,507 | $5,285-33.6% | $4,932-28.9% | $4,663-24.8% |
| Participant deferral / active EE | $8,451 | $8,419+0.4% | $8,065+4.8% | $6,689+26.3% |
| Admin fee / account holder | $874 | $15,035-94.2% | $12,993-93.3% | $13,390-93.5% |