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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 | $10,022 | $61,125-83.6% | $94,057-89.3% | $87,485-88.5% |
| Participation rate | 80.0% | 64.1%+15.9pp | 73.3%+6.7pp | 68.9%+11.1pp |
| Annual return | 22.21% | 35.20%-13.0pp | 480.62%-458.4pp | 26.06%-3.8pp |
| Employer contribution / active EE | $1,028 | $2,136-51.9% | $2,933-64.9% | $2,596-60.4% |
| Participant deferral / active EE | $1,572 | $3,260-51.8% | $4,709-66.6% | $4,274-63.2% |
| Admin fee / account holder | $560 | $5,629-90.1% | $7,244-92.3% | $7,775-92.8% |