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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 | $27,405 | $160,040-82.9% | $147,096-81.4% | $145,877-81.2% |
| Participation rate | 95.2% | 84.0%+11.2pp | 82.2%+13.1pp | 80.3%+14.9pp |
| Annual return | 13.98% | 98.49%-84.5pp | 419.75%-405.8pp | 551.28%-537.3pp |
| Employer contribution / active EE | $3,698 | $5,289-30.1% | $4,936-25.1% | $4,663-20.7% |
| Participant deferral / active EE | $7,361 | $8,429-12.7% | $8,071-8.8% | $6,691+10.0% |
| Admin fee / account holder | $646 | $15,050-95.7% | $13,005-95.0% | $13,402-95.2% |