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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 | $28,515 | $157,304-81.9% | $141,197-79.8% | $152,909-81.4% |
| Participation rate | 90.0% | 84.8%+5.2pp | 82.5%+7.5pp | 82.5%+7.5pp |
| Annual return | 37.70% | 64.34%-26.6pp | 71.41%-33.7pp | 345.46%-307.8pp |
| Employer contribution / active EE | $5,905 | $5,263+12.2% | $4,736+24.7% | $4,764+24.0% |
| Participant deferral / active EE | $5,193 | $7,111-27.0% | $6,710-22.6% | $5,851-11.3% |
| Admin fee / account holder | $304 | $12,126-97.5% | $10,265-97.0% | $11,601-97.4% |