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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 | $6,375 | $30,423-79.0% | $56,025-88.6% | $74,478-91.4% |
| Participation rate | 81.5% | 32.9%+48.6pp | 52.5%+29.0pp | 67.2%+14.3pp |
| Annual return | 17.75% | 24.97%-7.2pp | 1712.69%-1694.9pp | 1370.56%-1352.8pp |
| Employer contribution / active EE | $1,045 | $610+71.2% | $1,042+0.3% | $2,626-60.2% |
| Participant deferral / active EE | $761 | $1,176-35.3% | $1,955-61.1% | $4,350-82.5% |
| Admin fee / account holder | $730 | $2,363-69.1% | $2,828-74.2% | $1,946-62.5% |