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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 | $47,444 | $160,040-70.4% | $147,096-67.7% | $145,877-67.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.53% | 98.49%-88.0pp | 419.75%-409.2pp | 551.28%-540.8pp |
| Employer contribution / active EE | $4,068 | $5,289-23.1% | $4,936-17.6% | $4,663-12.7% |
| Participant deferral / active EE | $7,611 | $8,429-9.7% | $8,071-5.7% | $6,691+13.8% |
| Admin fee / account holder | $13,695 | $15,050-9.0% | $13,005+5.3% | $13,402+2.2% |