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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 | $4,322 | $29,319-85.3% | $52,425-91.8% | $82,448-94.8% |
| Participation rate | 81.5% | 46.9%+34.6pp | 55.6%+25.9pp | 68.1%+13.4pp |
| Annual return | 15.48% | 535.20%-519.7pp | 302.12%-286.6pp | 41.64%-26.2pp |
| Employer contribution / active EE | $289 | $586-50.8% | $914-68.4% | $2,551-88.7% |
| Participant deferral / active EE | $926 | $1,171-21.0% | $1,790-48.3% | $4,139-77.6% |
| Admin fee / account holder | $359 | $1,962-81.7% | $2,495-85.6% | $7,234-95.0% |