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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 | $47,825 | $135,645-64.7% | $110,243-56.6% | $135,380-64.7% |
| Participation rate | 90.9% | 83.5%+7.4pp | 79.8%+11.1pp | 82.6%+8.3pp |
| Annual return | 8.54% | 513.24%-504.7pp | 314.76%-306.2pp | 519.81%-511.3pp |
| Employer contribution / active EE | $2,637 | $4,907-46.3% | $3,827-31.1% | $4,779-44.8% |
| Participant deferral / active EE | $5,120 | $5,507-7.0% | $4,672+9.6% | $5,609-8.7% |
| Admin fee / account holder | $879 | $11,458-92.3% | $8,548-89.7% | $10,828-91.9% |