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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 | $4,699 | $28,624-83.6% | $53,647-91.2% | $82,637-94.3% |
| Participation rate | 88.9% | 47.3%+41.6pp | 56.3%+32.6pp | 68.1%+20.8pp |
| Annual return | 24.38% | 664.98%-640.6pp | 358.33%-334.0pp | 53.51%-29.1pp |
| Employer contribution / active EE | $269 | $637-57.8% | $962-72.1% | $2,552-89.5% |
| Participant deferral / active EE | $2,177 | $1,196+82.0% | $1,813+20.0% | $4,126-47.2% |
| Admin fee / account holder | $1,084 | $2,022-46.4% | $2,460-55.9% | $7,339-85.2% |