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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 | $22,594 | $160,028-85.9% | $147,080-84.6% | $145,884-84.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 21.56% | 98.60%-77.0pp | 420.17%-398.6pp | 551.85%-530.3pp |
| Employer contribution / active EE | $1,932 | $5,286-63.5% | $4,933-60.8% | $4,662-58.6% |
| Participant deferral / active EE | $5,615 | $8,422-33.3% | $8,066-30.4% | $6,690-16.1% |
| Admin fee / account holder | $1,486 | $15,030-90.1% | $12,989-88.6% | $13,392-88.9% |