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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 | $86,064 | $102,635-16.1% | $86,209-0.2% | $139,456-38.3% |
| Participation rate | 100.0% | 74.5%+25.5pp | 69.0%+31.0pp | 80.3%+19.7pp |
| Annual return | 18.14% | 1923.53%-1905.4pp | 1169.05%-1150.9pp | 373.45%-355.3pp |
| Employer contribution / active EE | $1,594 | $3,034-47.5% | $2,381-33.1% | $4,753-66.5% |
| Participant deferral / active EE | $15,650 | $4,677+234.6% | $3,986+292.6% | $6,711+133.2% |
| Admin fee / account holder | $626 | $8,661-92.8% | $6,853-90.9% | $11,407-94.5% |