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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 | $44,735 | $160,040-72.0% | $147,096-69.6% | $145,877-69.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 18.41% | 98.49%-80.1pp | 419.75%-401.3pp | 551.28%-532.9pp |
| Employer contribution / active EE | $5,083 | $5,289-3.9% | $4,936+3.0% | $4,663+9.0% |
| Participant deferral / active EE | $13,861 | $8,429+64.4% | $8,071+71.7% | $6,691+107.2% |
| Admin fee / account holder | $9,595 | $15,050-36.2% | $13,005-26.2% | $13,402-28.4% |