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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 | $76,608-64.0% | $56,077-50.8% | $145,877-81.1% |
| Participation rate | 78.9% | 63.2%+15.7pp | 52.5%+26.4pp | 80.3%-1.4pp |
| Annual return | 12.96% | 3009.59%-2996.6pp | 1709.28%-1696.3pp | 551.28%-538.3pp |
| Employer contribution / active EE | $190 | $1,382-86.2% | $1,040-81.7% | $4,663-95.9% |
| Participant deferral / active EE | $2,660 | $2,624+1.4% | $1,954+36.1% | $6,691-60.2% |
| Admin fee / account holder | $3,223 | $3,325-3.1% | $2,825+14.1% | $13,402-76.0% |