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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 | $22,722 | $105,145-78.4% | $94,664-76.0% | $139,466-83.7% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 22.30% | 38.09%-15.8pp | 156.84%-134.5pp | 373.66%-351.4pp |
| Employer contribution / active EE | $3,704 | $4,107-9.8% | $3,673+0.9% | $4,754-22.1% |
| Participant deferral / active EE | $4,907 | $7,599-35.4% | $7,417-33.8% | $6,712-26.9% |
| Admin fee / account holder | $473 | $8,972-94.7% | $7,222-93.4% | $11,409-95.9% |