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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 | $2,422 | $67,823-96.4% | $52,425-95.4% | $137,256-98.2% |
| Participation rate | 70.8% | 63.9%+6.9pp | 55.6%+15.2pp | 80.0%-9.1pp |
| Annual return | 22.32% | 219.11%-196.8pp | 302.12%-279.8pp | 220.34%-198.0pp |
| Employer contribution / active EE | $352 | $1,163-69.7% | $914-61.5% | $4,156-91.5% |
| Participant deferral / active EE | $412 | $2,288-82.0% | $1,790-77.0% | $6,407-93.6% |
| Admin fee / account holder | $395 | $2,844-86.1% | $2,495-84.2% | $12,270-96.8% |