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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 | $24,239 | $160,040-84.9% | $147,096-83.5% | $145,877-83.4% |
| Participation rate | 93.3% | 84.0%+9.3pp | 82.2%+11.2pp | 80.3%+13.0pp |
| Annual return | 16.73% | 98.49%-81.8pp | 419.75%-403.0pp | 551.28%-534.6pp |
| Employer contribution / active EE | $2,829 | $5,289-46.5% | $4,936-42.7% | $4,663-39.3% |
| Participant deferral / active EE | $4,698 | $8,429-44.3% | $8,071-41.8% | $6,691-29.8% |
| Admin fee / account holder | $385 | $15,050-97.4% | $13,005-97.0% | $13,402-97.1% |