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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 | $39,101 | $160,028-75.6% | $147,080-73.4% | $145,884-73.2% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.2%-2.2pp | 80.3%-0.3pp |
| Annual return | 9.99% | 98.60%-88.6pp | 420.17%-410.2pp | 551.85%-541.9pp |
| Employer contribution / active EE | $1,836 | $5,286-65.3% | $4,933-62.8% | $4,662-60.6% |
| Participant deferral / active EE | $4,092 | $8,422-51.4% | $8,066-49.3% | $6,690-38.8% |
| Admin fee / account holder | $392 | $15,030-97.4% | $12,989-97.0% | $13,392-97.1% |