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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 | $38,004 | $160,028-76.3% | $147,080-74.2% | $145,884-73.9% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 12.55% | 98.60%-86.1pp | 420.17%-407.6pp | 551.85%-539.3pp |
| Employer contribution / active EE | $2,325 | $5,286-56.0% | $4,933-52.9% | $4,662-50.1% |
| Participant deferral / active EE | $9,116 | $8,422+8.2% | $8,066+13.0% | $6,690+36.3% |
| Admin fee / account holder | $3,868 | $15,030-74.3% | $12,989-70.2% | $13,392-71.1% |