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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 | $29,736-64.5% | $56,033-81.2% | $80,935-87.0% |
| Participation rate | 100.0% | 41.7%+58.3pp | 52.5%+47.5pp | 67.7%+32.3pp |
| Annual return | 10.91% | 35.28%-24.4pp | 1711.38%-1700.5pp | 35.66%-24.8pp |
| Employer contribution / active EE | $1,301 | $671+93.8% | $1,041+25.0% | $2,757-52.8% |
| Participant deferral / active EE | $2,988 | $1,228+143.3% | $1,954+52.9% | $4,299-30.5% |
| Admin fee / account holder | $1,025 | $2,434-57.9% | $2,827-63.7% | $6,924-85.2% |