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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 | $22,008 | $160,040-86.2% | $147,096-85.0% | $145,877-84.9% |
| Participation rate | 95.7% | 84.0%+11.6pp | 82.2%+13.5pp | 80.3%+15.3pp |
| Annual return | 12.04% | 98.49%-86.5pp | 419.75%-407.7pp | 551.28%-539.2pp |
| Employer contribution / active EE | $1,404 | $5,289-73.5% | $4,936-71.5% | $4,663-69.9% |
| Participant deferral / active EE | $2,988 | $8,429-64.6% | $8,071-63.0% | $6,691-55.3% |
| Admin fee / account holder | $329 | $15,050-97.8% | $13,005-97.5% | $13,402-97.5% |