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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 | $5,672 | $29,319-80.7% | $52,425-89.2% | $82,448-93.1% |
| Participation rate | 72.3% | 46.9%+25.4pp | 55.6%+16.7pp | 68.1%+4.2pp |
| Annual return | 32.93% | 535.20%-502.3pp | 302.12%-269.2pp | 41.64%-8.7pp |
| Employer contribution / active EE | $813 | $586+38.6% | $914-11.1% | $2,551-68.1% |
| Participant deferral / active EE | $1,383 | $1,171+18.0% | $1,790-22.8% | $4,139-66.6% |
| Admin fee / account holder | $330 | $1,962-83.2% | $2,495-86.8% | $7,234-95.4% |