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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 | $7,334 | $27,943-73.8% | $58,507-87.5% | $75,177-90.2% |
| Participation rate | 93.8% | 38.8%+54.9pp | 50.9%+42.9pp | 67.2%+26.5pp |
| Annual return | 21.12% | 44.22%-23.1pp | 4252.32%-4231.2pp | 160.75%-139.6pp |
| Employer contribution / active EE | $1,140 | $670+70.2% | $1,053+8.2% | $2,671-57.3% |
| Participant deferral / active EE | $2,202 | $1,202+83.2% | $1,922+14.5% | $4,126-46.6% |
| Admin fee / account holder | $461 | $1,727-73.3% | $2,486-81.5% | $5,651-91.8% |