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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 | $7,650 | $29,716-74.3% | $56,077-86.4% | $80,925-90.5% |
| Participation rate | 88.9% | 41.7%+47.2pp | 52.5%+36.4pp | 67.7%+21.2pp |
| Annual return | 10.99% | 35.30%-24.3pp | 1709.28%-1698.3pp | 35.65%-24.7pp |
| Employer contribution / active EE | $2,358 | $671+251.4% | $1,040+126.7% | $2,756-14.4% |
| Participant deferral / active EE | $668 | $1,228-45.6% | $1,954-65.8% | $4,299-84.5% |
| Admin fee / account holder | $425 | $2,432-82.5% | $2,825-85.0% | $6,940-93.9% |