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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 | $17,323 | $49,199-64.8% | $121,210-85.7% | $75,177-77.0% |
| Participation rate | 100.0% | 55.4%+44.6pp | 69.5%+30.5pp | 67.2%+32.8pp |
| Annual return | 17.78% | 56.04%-38.3pp | 987.41%-969.6pp | 160.75%-143.0pp |
| Employer contribution / active EE | $1,156 | $1,547-25.3% | $4,171-72.3% | $2,671-56.7% |
| Participant deferral / active EE | $2,922 | $2,630+11.1% | $4,084-28.5% | $4,126-29.2% |
| Admin fee / account holder | $540 | $3,946-86.3% | $5,647-90.4% | $5,651-90.4% |