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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 | $18,355 | $27,936-34.3% | $58,561-68.7% | $75,173-75.6% |
| Participation rate | 88.7% | 38.8%+49.9pp | 50.9%+37.8pp | 67.2%+21.5pp |
| Annual return | 18.73% | 44.21%-25.5pp | 4251.33%-4232.6pp | 160.72%-142.0pp |
| Employer contribution / active EE | $1,265 | $670+89.0% | $1,053+20.1% | $2,671-52.6% |
| Participant deferral / active EE | $3,026 | $1,202+151.8% | $1,923+57.4% | $4,126-26.7% |
| Admin fee / account holder | $811 | $1,727-53.1% | $2,520-67.8% | $5,651-85.7% |