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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 | $13,339 | $103,000-87.0% | $90,300-85.2% | $152,885-91.3% |
| Participation rate | 93.8% | 75.9%+17.9pp | 73.3%+20.5pp | 82.5%+11.3pp |
| Annual return | 23.66% | 95.19%-71.5pp | 78.11%-54.5pp | 345.39%-321.7pp |
| Employer contribution / active EE | $1,395 | $3,138-55.6% | $2,854-51.1% | $4,763-70.7% |
| Participant deferral / active EE | $4,344 | $4,281+1.5% | $3,884+11.8% | $5,851-25.8% |
| Admin fee / account holder | $584 | $6,173-90.5% | $5,353-89.1% | $11,598-95.0% |