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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 | $21,768 | $160,040-86.4% | $147,096-85.2% | $145,877-85.1% |
| Participation rate | 85.7% | 84.0%+1.7pp | 82.2%+3.5pp | 80.3%+5.4pp |
| Annual return | 15.35% | 98.49%-83.1pp | 419.75%-404.4pp | 551.28%-535.9pp |
| Employer contribution / active EE | $1,561 | $5,289-70.5% | $4,936-68.4% | $4,663-66.5% |
| Participant deferral / active EE | $5,627 | $8,429-33.2% | $8,071-30.3% | $6,691-15.9% |
| Admin fee / account holder | $1,161 | $15,050-92.3% | $13,005-91.1% | $13,402-91.3% |