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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 | $19,994 | $160,070-87.5% | $147,117-86.4% | $145,897-86.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.27% | 98.69%-87.4pp | 420.54%-409.3pp | 552.29%-541.0pp |
| Employer contribution / active EE | $3,122 | $5,285-40.9% | $4,932-36.7% | $4,663-33.0% |
| Participant deferral / active EE | $4,880 | $8,419-42.0% | $8,065-39.5% | $6,689-27.1% |
| Admin fee / account holder | $416 | $15,035-97.2% | $12,993-96.8% | $13,390-96.9% |