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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 | $35,178 | $176,120-80.0% | $159,487-77.9% | $167,553-79.0% |
| Participation rate | 76.9% | 85.0%-8.0pp | 82.8%-5.9pp | 82.1%-5.2pp |
| Annual return | 12.87% | 331.95%-319.1pp | 263.71%-250.8pp | 478.89%-466.0pp |
| Employer contribution / active EE | $1,015 | $5,299-80.8% | $4,831-79.0% | $4,840-79.0% |
| Participant deferral / active EE | $4,415 | $7,752-43.0% | $7,354-40.0% | $6,343-30.4% |
| Admin fee / account holder | $884 | $12,561-93.0% | $10,804-91.8% | $12,316-92.8% |