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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 | $18,014 | $27,936-35.5% | $58,561-69.2% | $75,173-76.0% |
| Participation rate | 92.9% | 38.8%+54.0pp | 50.9%+42.0pp | 67.2%+25.7pp |
| Annual return | 16.44% | 44.21%-27.8pp | 4251.33%-4234.9pp | 160.72%-144.3pp |
| Employer contribution / active EE | $3,118 | $670+365.7% | $1,053+196.0% | $2,671+16.7% |
| Participant deferral / active EE | $2,261 | $1,202+88.1% | $1,923+17.6% | $4,126-45.2% |
| Admin fee / account holder | $324 | $1,727-81.2% | $2,520-87.1% | $5,651-94.3% |