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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 | $10,626 | $29,716-64.2% | $56,077-81.1% | $80,925-86.9% |
| Participation rate | 100.0% | 41.7%+58.3pp | 52.5%+47.5pp | 67.7%+32.3pp |
| Annual return | 14.06% | 35.30%-21.2pp | 1709.28%-1695.2pp | 35.65%-21.6pp |
| Employer contribution / active EE | $1,528 | $671+127.7% | $1,040+46.9% | $2,756-44.6% |
| Participant deferral / active EE | $2,348 | $1,228+91.2% | $1,954+20.2% | $4,299-45.4% |
| Admin fee / account holder | $886 | $2,432-63.6% | $2,825-68.6% | $6,940-87.2% |