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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 | $42,964 | $160,028-73.2% | $147,080-70.8% | $145,884-70.5% |
| Participation rate | 91.7% | 84.0%+7.6pp | 82.2%+9.5pp | 80.3%+11.4pp |
| Annual return | 11.70% | 98.60%-86.9pp | 420.17%-408.5pp | 551.85%-540.1pp |
| Employer contribution / active EE | $1,771 | $5,286-66.5% | $4,933-64.1% | $4,662-62.0% |
| Participant deferral / active EE | $3,302 | $8,422-60.8% | $8,066-59.1% | $6,690-50.6% |
| Admin fee / account holder | $4,196 | $15,030-72.1% | $12,989-67.7% | $13,392-68.7% |