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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 | $38,298 | $160,040-76.1% | $147,096-74.0% | $145,877-73.7% |
| Participation rate | 87.0% | 84.0%+2.9pp | 82.2%+4.8pp | 80.3%+6.7pp |
| Annual return | 11.48% | 98.49%-87.0pp | 419.75%-408.3pp | 551.28%-539.8pp |
| Employer contribution / active EE | $5,159 | $5,289-2.5% | $4,936+4.5% | $4,663+10.6% |
| Participant deferral / active EE | $10,714 | $8,429+27.1% | $8,071+32.7% | $6,691+60.1% |
| Admin fee / account holder | $3,689 | $15,050-75.5% | $13,005-71.6% | $13,402-72.5% |