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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 | $159,934-82.9% | $147,005-81.4% | $145,959-81.2% |
| Participation rate | 95.2% | 84.0%+11.2pp | 82.2%+13.1pp | 80.3%+15.0pp |
| Annual return | 13.98% | 98.24%-84.3pp | 418.76%-404.8pp | 561.95%-548.0pp |
| Employer contribution / active EE | $3,698 | $5,287-30.1% | $4,934-25.1% | $4,661-20.7% |
| Participant deferral / active EE | $7,361 | $8,427-12.7% | $8,070-8.8% | $6,689+10.1% |
| Admin fee / account holder | $646 | $15,053-95.7% | $13,006-95.0% | $13,398-95.2% |