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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 | $43,442 | $160,028-72.9% | $147,080-70.5% | $145,884-70.2% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 16.44% | 98.60%-82.2pp | 420.17%-403.7pp | 551.85%-535.4pp |
| Employer contribution / active EE | $3,525 | $5,286-33.3% | $4,933-28.6% | $4,662-24.4% |
| Participant deferral / active EE | $6,896 | $8,422-18.1% | $8,066-14.5% | $6,690+3.1% |
| Admin fee / account holder | $487 | $15,030-96.8% | $12,989-96.3% | $13,392-96.4% |