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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 | $10,831 | $29,319-63.1% | $52,425-79.3% | $82,448-86.9% |
| Participation rate | 76.5% | 46.9%+29.6pp | 55.6%+20.8pp | 68.1%+8.4pp |
| Annual return | 19.64% | 535.20%-515.6pp | 302.12%-282.5pp | 41.64%-22.0pp |
| Employer contribution / active EE | $835 | $586+42.3% | $914-8.7% | $2,551-67.3% |
| Participant deferral / active EE | $1,750 | $1,171+49.4% | $1,790-2.3% | $4,139-57.7% |
| Admin fee / account holder | $2,014 | $1,962+2.6% | $2,495-19.3% | $7,234-72.2% |