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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 | $29,729 | $160,028-81.4% | $147,080-79.8% | $145,884-79.6% |
| Participation rate | 85.0% | 84.0%+1.0pp | 82.2%+2.8pp | 80.3%+4.7pp |
| Annual return | 17.25% | 98.60%-81.3pp | 420.17%-402.9pp | 551.85%-534.6pp |
| Employer contribution / active EE | $2,943 | $5,286-44.3% | $4,933-40.3% | $4,662-36.9% |
| Participant deferral / active EE | $6,517 | $8,422-22.6% | $8,066-19.2% | $6,690-2.6% |
| Admin fee / account holder | $854 | $15,030-94.3% | $12,989-93.4% | $13,392-93.6% |