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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 | $96,934 | $155,840-37.8% | $124,694-22.3% | $167,553-42.1% |
| Participation rate | 100.0% | 81.1%+18.9pp | 74.6%+25.4pp | 82.1%+17.9pp |
| Annual return | 9.56% | 17.98%-8.4pp | 5144.82%-5135.3pp | 478.89%-469.3pp |
| Employer contribution / active EE | $1,171 | $4,165-71.9% | $3,325-64.8% | $4,840-75.8% |
| Participant deferral / active EE | $1,581 | $5,675-72.1% | $4,615-65.7% | $6,343-75.1% |
| Admin fee / account holder | $837 | $9,536-91.2% | $7,495-88.8% | $12,316-93.2% |