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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 | $98,995 | $85,766+15.4% | $136,298-27.4% | $70,126+41.2% |
| Participation rate | 96.4% | 74.2%+22.3pp | 81.9%+14.5pp | 69.5%+26.9pp |
| Annual return | 19.70% | 31.46%-11.8pp | 5156.27%-5136.6pp | 73.15%-53.4pp |
| Employer contribution / active EE | $1,454 | $2,966-51.0% | $4,696-69.0% | $2,343-37.9% |
| Participant deferral / active EE | $4,156 | $5,051-17.7% | $6,247-33.5% | $3,332+24.7% |
| Admin fee / account holder | $18,000 | $5,421+232.1% | $9,244+94.7% | $4,645+287.5% |