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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 | $160,040-74.6% | $147,096-72.4% | $145,877-72.2% |
| Participation rate | 91.3% | 84.0%+7.3pp | 82.2%+9.1pp | 80.3%+11.0pp |
| Annual return | 11.02% | 98.49%-87.5pp | 419.75%-408.7pp | 551.28%-540.3pp |
| Employer contribution / active EE | $3,507 | $5,289-33.7% | $4,936-28.9% | $4,663-24.8% |
| Participant deferral / active EE | $8,451 | $8,429+0.3% | $8,071+4.7% | $6,691+26.3% |
| Admin fee / account holder | $874 | $15,050-94.2% | $13,005-93.3% | $13,402-93.5% |