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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 | $160,040-60.6% | $147,096-57.2% | $145,877-56.8% |
| Participation rate | 95.2% | 84.0%+11.2pp | 82.2%+13.1pp | 80.3%+14.9pp |
| Annual return | 17.65% | 98.49%-80.8pp | 419.75%-402.1pp | 551.28%-533.6pp |
| Employer contribution / active EE | $5,306 | $5,289+0.3% | $4,936+7.5% | $4,663+13.8% |
| Participant deferral / active EE | $10,664 | $8,429+26.5% | $8,071+32.1% | $6,691+59.4% |
| Admin fee / account holder | $430 | $15,050-97.1% | $13,005-96.7% | $13,402-96.8% |