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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 | $28,546 | $232,540-87.7% | $185,117-84.6% | $147,586-80.7% |
| Participation rate | 90.0% | 82.4%+7.6pp | 77.3%+12.7pp | 82.8%+7.2pp |
| Annual return | 16.39% | 43.03%-26.6pp | 40.50%-24.1pp | 578.59%-562.2pp |
| Employer contribution / active EE | $2,057 | $5,195-60.4% | $4,182-50.8% | $4,876-57.8% |
| Participant deferral / active EE | $5,189 | $5,834-11.1% | $5,045+2.9% | $5,439-4.6% |
| Admin fee / account holder | $656 | $10,275-93.6% | $8,159-92.0% | $10,886-94.0% |