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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 | $72,302 | $160,028-54.8% | $147,080-50.8% | $145,884-50.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 15.64% | 98.60%-83.0pp | 420.17%-404.5pp | 551.85%-536.2pp |
| Employer contribution / active EE | $4,533 | $5,286-14.2% | $4,933-8.1% | $4,662-2.8% |
| Participant deferral / active EE | $10,279 | $8,422+22.1% | $8,066+27.4% | $6,690+53.7% |
| Admin fee / account holder | $1,465 | $15,030-90.3% | $12,989-88.7% | $13,392-89.1% |