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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 | $3,723 | $29,319-87.3% | $52,425-92.9% | $82,448-95.5% |
| Participation rate | 83.9% | 46.9%+37.0pp | 55.6%+28.2pp | 68.1%+15.8pp |
| Annual return | 22.31% | 535.20%-512.9pp | 302.12%-279.8pp | 41.64%-19.3pp |
| Employer contribution / active EE | $653 | $586+11.3% | $914-28.6% | $2,551-74.4% |
| Participant deferral / active EE | $733 | $1,171-37.5% | $1,790-59.1% | $4,139-82.3% |
| Admin fee / account holder | $718 | $1,962-63.4% | $2,495-71.2% | $7,234-90.1% |