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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 | $19,000 | $53,063-64.2% | $124,206-84.7% | $82,637-77.0% |
| Participation rate | 100.0% | 58.4%+41.6pp | 69.6%+30.4pp | 68.1%+31.9pp |
| Annual return | 20.56% | 68.87%-48.3pp | 515.27%-494.7pp | 53.51%-32.9pp |
| Employer contribution / active EE | $1,546 | $1,530+1.0% | $3,540-56.3% | $2,552-39.4% |
| Participant deferral / active EE | $4,090 | $2,644+54.7% | $3,968+3.1% | $4,126-0.9% |
| Admin fee / account holder | $1,136 | $4,281-73.5% | $5,929-80.8% | $7,339-84.5% |