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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 | $62,982 | $159,934-60.6% | $147,005-57.2% | $145,959-56.8% |
| Participation rate | 95.2% | 84.0%+11.2pp | 82.2%+13.1pp | 80.3%+15.0pp |
| Annual return | 17.65% | 98.24%-80.6pp | 418.76%-401.1pp | 561.95%-544.3pp |
| Employer contribution / active EE | $5,306 | $5,287+0.3% | $4,934+7.5% | $4,661+13.8% |
| Participant deferral / active EE | $10,664 | $8,427+26.5% | $8,070+32.1% | $6,689+59.4% |
| Admin fee / account holder | $430 | $15,053-97.1% | $13,006-96.7% | $13,398-96.8% |