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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 | $37,926 | $76,608-50.5% | $56,077-32.4% | $145,877-74.0% |
| Participation rate | 100.0% | 63.2%+36.8pp | 52.5%+47.5pp | 80.3%+19.7pp |
| Annual return | 10.98% | 3009.59%-2998.6pp | 1709.28%-1698.3pp | 551.28%-540.3pp |
| Employer contribution / active EE | $1,025 | $1,382-25.8% | $1,040-1.5% | $4,663-78.0% |
| Participant deferral / active EE | $3,970 | $2,624+51.3% | $1,954+103.2% | $6,691-40.7% |
| Admin fee / account holder | $1,579 | $3,325-52.5% | $2,825-44.1% | $13,402-88.2% |