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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 | $20,561 | $149,040-86.2% | $120,225-82.9% | $137,256-85.0% |
| Participation rate | 93.8% | 75.4%+18.3pp | 69.6%+24.2pp | 80.0%+13.8pp |
| Annual return | 16.71% | 605.68%-589.0pp | 439.23%-422.5pp | 220.34%-203.6pp |
| Employer contribution / active EE | $2,937 | $4,350-32.5% | $3,475-15.5% | $4,156-29.3% |
| Participant deferral / active EE | $5,716 | $4,655+22.8% | $3,999+43.0% | $6,407-10.8% |
| Admin fee / account holder | $829 | $6,348-86.9% | $5,696-85.5% | $12,270-93.2% |