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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 | $24,091 | $160,028-84.9% | $147,080-83.6% | $145,884-83.5% |
| Participation rate | 93.8% | 84.0%+9.7pp | 82.2%+11.6pp | 80.3%+13.4pp |
| Annual return | 12.71% | 98.60%-85.9pp | 420.17%-407.5pp | 551.85%-539.1pp |
| Employer contribution / active EE | $3,165 | $5,286-40.1% | $4,933-35.9% | $4,662-32.1% |
| Participant deferral / active EE | $4,921 | $8,422-41.6% | $8,066-39.0% | $6,690-26.4% |
| Admin fee / account holder | $978 | $15,030-93.5% | $12,989-92.5% | $13,392-92.7% |