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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 | $53,063-63.5% | $124,206-84.4% | $82,637-76.6% |
| Participation rate | 76.7% | 58.4%+18.3pp | 69.6%+7.1pp | 68.1%+8.6pp |
| Annual return | 34.44% | 68.87%-34.4pp | 515.27%-480.8pp | 53.51%-19.1pp |
| Employer contribution / active EE | $1,528 | $1,530-0.1% | $3,540-56.8% | $2,552-40.1% |
| Participant deferral / active EE | $4,563 | $2,644+72.6% | $3,968+15.0% | $4,126+10.6% |
| Admin fee / account holder | $388 | $4,281-90.9% | $5,929-93.5% | $7,339-94.7% |