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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 | $10,869 | $76,522-85.8% | $56,033-80.6% | $145,884-92.5% |
| Participation rate | 75.0% | 63.2%+11.8pp | 52.5%+22.5pp | 80.3%-5.3pp |
| Annual return | 13.80% | 3014.28%-3000.5pp | 1711.38%-1697.6pp | 551.85%-538.0pp |
| Employer contribution / active EE | $798 | $1,382-42.3% | $1,041-23.3% | $4,662-82.9% |
| Participant deferral / active EE | $2,927 | $2,624+11.5% | $1,954+49.8% | $6,690-56.3% |
| Admin fee / account holder | $552 | $3,328-83.4% | $2,827-80.5% | $13,392-95.9% |