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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 | $14,038 | $29,733-52.8% | $56,025-74.9% | $80,959-82.7% |
| Participation rate | 89.5% | 41.7%+47.8pp | 52.5%+37.0pp | 67.7%+21.8pp |
| Annual return | 13.76% | 35.28%-21.5pp | 1712.69%-1698.9pp | 35.67%-21.9pp |
| Employer contribution / active EE | $752 | $672+12.0% | $1,042-27.8% | $2,757-72.7% |
| Participant deferral / active EE | $2,945 | $1,229+139.5% | $1,955+50.7% | $4,300-31.5% |
| Admin fee / account holder | $361 | $2,434-85.2% | $2,828-87.2% | $6,925-94.8% |