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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 | $20,314 | $160,028-87.3% | $147,080-86.2% | $145,884-86.1% |
| Participation rate | 91.3% | 84.0%+7.3pp | 82.2%+9.1pp | 80.3%+11.0pp |
| Annual return | 17.41% | 98.60%-81.2pp | 420.17%-402.8pp | 551.85%-534.4pp |
| Employer contribution / active EE | $3,099 | $5,286-41.4% | $4,933-37.2% | $4,662-33.5% |
| Participant deferral / active EE | $5,574 | $8,422-33.8% | $8,066-30.9% | $6,690-16.7% |
| Admin fee / account holder | $978 | $15,030-93.5% | $12,989-92.5% | $13,392-92.7% |