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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 | $28,624-87.0% | $53,647-93.1% | $82,637-95.5% |
| Participation rate | 83.9% | 47.3%+36.6pp | 56.3%+27.6pp | 68.1%+15.8pp |
| Annual return | 22.31% | 664.98%-642.7pp | 358.33%-336.0pp | 53.51%-31.2pp |
| Employer contribution / active EE | $653 | $637+2.5% | $962-32.1% | $2,552-74.4% |
| Participant deferral / active EE | $733 | $1,196-38.8% | $1,813-59.6% | $4,126-82.2% |
| Admin fee / account holder | $718 | $2,022-64.5% | $2,460-70.8% | $7,339-90.2% |