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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 | $119,876 | $160,040-25.1% | $147,096-18.5% | $145,877-17.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 19.24% | 98.49%-79.3pp | 419.75%-400.5pp | 551.28%-532.0pp |
| Employer contribution / active EE | $4,458 | $5,289-15.7% | $4,936-9.7% | $4,663-4.4% |
| Participant deferral / active EE | $16,583 | $8,429+96.7% | $8,071+105.5% | $6,691+147.8% |
| Admin fee / account holder | $388 | $15,050-97.4% | $13,005-97.0% | $13,402-97.1% |