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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 | $10,561 | $29,667-64.4% | $56,441-81.3% | $80,874-86.9% |
| Participation rate | 100.0% | 41.7%+58.3pp | 52.5%+47.5pp | 67.6%+32.4pp |
| Annual return | 10.91% | 35.22%-24.3pp | 1704.21%-1693.3pp | 35.62%-24.7pp |
| Employer contribution / active EE | $1,301 | $669+94.4% | $1,039+25.2% | $2,756-52.8% |
| Participant deferral / active EE | $2,988 | $1,227+143.6% | $1,953+53.0% | $4,297-30.5% |
| Admin fee / account holder | $1,025 | $2,429-57.8% | $2,829-63.8% | $6,935-85.2% |