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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 | $26,565 | $28,624-7.2% | $53,647-50.5% | $82,637-67.9% |
| Participation rate | 97.1% | 47.3%+49.9pp | 56.3%+40.9pp | 68.1%+29.1pp |
| Annual return | 21.66% | 664.98%-643.3pp | 358.33%-336.7pp | 53.51%-31.8pp |
| Employer contribution / active EE | $2,139 | $637+236.0% | $962+122.3% | $2,552-16.2% |
| Participant deferral / active EE | $3,768 | $1,196+215.0% | $1,813+107.8% | $4,126-8.7% |
| Admin fee / account holder | $767 | $2,022-62.0% | $2,460-68.8% | $7,339-89.5% |