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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 | $46,465 | $160,070-71.0% | $147,117-68.4% | $145,897-68.2% |
| Participation rate | 94.4% | 84.0%+10.4pp | 82.2%+12.3pp | 80.3%+14.1pp |
| Annual return | 16.28% | 98.69%-82.4pp | 420.54%-404.3pp | 552.29%-536.0pp |
| Employer contribution / active EE | $3,594 | $5,285-32.0% | $4,932-27.1% | $4,663-22.9% |
| Participant deferral / active EE | $9,457 | $8,419+12.3% | $8,065+17.3% | $6,689+41.4% |
| Admin fee / account holder | $1,138 | $15,035-92.4% | $12,993-91.2% | $13,390-91.5% |