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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 | $17,717 | $52,353-66.2% | $120,225-85.3% | $82,448-78.5% |
| Participation rate | 92.3% | 58.3%+34.0pp | 69.6%+22.7pp | 68.1%+24.2pp |
| Annual return | 27.43% | 61.85%-34.4pp | 439.23%-411.8pp | 41.64%-14.2pp |
| Employer contribution / active EE | $1,117 | $1,510-26.0% | $3,475-67.9% | $2,551-56.2% |
| Participant deferral / active EE | $3,952 | $2,627+50.4% | $3,999-1.2% | $4,139-4.5% |
| Admin fee / account holder | $359 | $4,363-91.8% | $5,696-93.7% | $7,234-95.0% |