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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 | $2,894 | $29,319-90.1% | $52,425-94.5% | $82,448-96.5% |
| Participation rate | 72.4% | 46.9%+25.6pp | 55.6%+16.8pp | 68.1%+4.3pp |
| Annual return | 18.12% | 535.20%-517.1pp | 302.12%-284.0pp | 41.64%-23.5pp |
| Employer contribution / active EE | $533 | $586-9.2% | $914-41.7% | $2,551-79.1% |
| Participant deferral / active EE | $761 | $1,171-35.1% | $1,790-57.5% | $4,139-81.6% |
| Admin fee / account holder | $752 | $1,962-61.7% | $2,495-69.8% | $7,234-89.6% |