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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 | $31,863 | $160,040-80.1% | $147,096-78.3% | $145,877-78.2% |
| Participation rate | 77.8% | 84.0%-6.2pp | 82.2%-4.4pp | 80.3%-2.5pp |
| Annual return | 16.93% | 98.49%-81.6pp | 419.75%-402.8pp | 551.28%-534.4pp |
| Employer contribution / active EE | $4,086 | $5,289-22.7% | $4,936-17.2% | $4,663-12.4% |
| Participant deferral / active EE | $8,475 | $8,429+0.5% | $8,071+5.0% | $6,691+26.7% |
| Admin fee / account holder | $4,385 | $15,050-70.9% | $13,005-66.3% | $13,402-67.3% |