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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 | $27,506 | $65,555-58.0% | $86,216-68.1% | $75,173-63.4% |
| Participation rate | 98.4% | 60.5%+37.9pp | 69.0%+29.4pp | 67.2%+31.2pp |
| Annual return | 16.63% | 46.07%-29.4pp | 1169.42%-1152.8pp | 160.72%-144.1pp |
| Employer contribution / active EE | $601 | $1,553-61.3% | $2,382-74.7% | $2,671-77.5% |
| Participant deferral / active EE | $3,336 | $3,023+10.3% | $3,986-16.3% | $4,126-19.2% |
| Admin fee / account holder | $3,416 | $5,469-37.5% | $6,853-50.2% | $5,651-39.5% |