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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 | $2,942 | $29,716-90.1% | $56,077-94.8% | $80,925-96.4% |
| Participation rate | 81.5% | 41.7%+39.8pp | 52.5%+29.0pp | 67.7%+13.8pp |
| Annual return | 13.76% | 35.30%-21.5pp | 1709.28%-1695.5pp | 35.65%-21.9pp |
| Employer contribution / active EE | $491 | $671-26.8% | $1,040-52.8% | $2,756-82.2% |
| Participant deferral / active EE | $827 | $1,228-32.7% | $1,954-57.7% | $4,299-80.8% |
| Admin fee / account holder | $532 | $2,432-78.1% | $2,825-81.2% | $6,940-92.3% |