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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 | $27,588 | $76,519-63.9% | $56,025-50.8% | $145,897-81.1% |
| Participation rate | 78.9% | 63.2%+15.7pp | 52.5%+26.4pp | 80.3%-1.4pp |
| Annual return | 12.96% | 3017.03%-3004.1pp | 1712.69%-1699.7pp | 552.29%-539.3pp |
| Employer contribution / active EE | $190 | $1,383-86.2% | $1,042-81.7% | $4,663-95.9% |
| Participant deferral / active EE | $2,660 | $2,624+1.3% | $1,955+36.1% | $6,689-60.2% |
| Admin fee / account holder | $3,223 | $3,331-3.2% | $2,828+13.9% | $13,390-75.9% |