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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 | $29,044 | $114,237-74.6% | $119,258-75.6% | $167,536-82.7% |
| Participation rate | 90.9% | 83.7%+7.2pp | 82.7%+8.2pp | 82.1%+8.8pp |
| Annual return | 13.05% | 29.87%-16.8pp | 30.69%-17.6pp | 478.82%-465.8pp |
| Employer contribution / active EE | $5,449 | $4,481+21.6% | $4,384+24.3% | $4,839+12.6% |
| Participant deferral / active EE | $5,463 | $6,084-10.2% | $6,111-10.6% | $6,342-13.9% |
| Admin fee / account holder | $2,853 | $8,932-68.1% | $7,226-60.5% | $12,315-76.8% |