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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 | $19,371 | $52,353-63.0% | $120,225-83.9% | $82,448-76.5% |
| Participation rate | 76.7% | 58.3%+18.4pp | 69.6%+7.1pp | 68.1%+8.6pp |
| Annual return | 34.44% | 61.85%-27.4pp | 439.23%-404.8pp | 41.64%-7.2pp |
| Employer contribution / active EE | $1,528 | $1,510+1.2% | $3,475-56.0% | $2,551-40.1% |
| Participant deferral / active EE | $4,563 | $2,627+73.7% | $3,999+14.1% | $4,139+10.2% |
| Admin fee / account holder | $388 | $4,363-91.1% | $5,696-93.2% | $7,234-94.6% |