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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 | $30,613 | $160,040-80.9% | $147,096-79.2% | $145,877-79.0% |
| Participation rate | 70.0% | 84.0%-14.0pp | 82.2%-12.2pp | 80.3%-10.3pp |
| Annual return | 14.97% | 98.49%-83.5pp | 419.75%-404.8pp | 551.28%-536.3pp |
| Employer contribution / active EE | $4,186 | $5,289-20.9% | $4,936-15.2% | $4,663-10.2% |
| Participant deferral / active EE | $4,283 | $8,429-49.2% | $8,071-46.9% | $6,691-36.0% |
| Admin fee / account holder | $467 | $15,050-96.9% | $13,005-96.4% | $13,402-96.5% |