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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 | $26,445 | $102,422-74.2% | $147,117-82.0% | $80,959-67.3% |
| Participation rate | 88.9% | 75.9%+13.0pp | 82.2%+6.7pp | 67.7%+21.2pp |
| Annual return | 18.44% | 135.16%-116.7pp | 420.54%-402.1pp | 35.67%-17.2pp |
| Employer contribution / active EE | $950 | $3,717-74.4% | $4,932-80.7% | $2,757-65.5% |
| Participant deferral / active EE | $5,455 | $6,652-18.0% | $8,065-32.4% | $4,300+26.9% |
| Admin fee / account holder | $354 | $7,953-95.6% | $12,993-97.3% | $6,925-94.9% |