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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 | $117,805 | $155,833-24.4% | $124,693-5.5% | $167,536-29.7% |
| Participation rate | 100.0% | 81.1%+18.9pp | 74.6%+25.4pp | 82.1%+17.9pp |
| Annual return | 12.58% | 17.98%-5.4pp | 5144.19%-5131.6pp | 478.82%-466.2pp |
| Employer contribution / active EE | $9,277 | $4,164+122.8% | $3,324+179.1% | $4,839+91.7% |
| Participant deferral / active EE | $5,247 | $5,675-7.5% | $4,615+13.7% | $6,342-17.3% |
| Admin fee / account holder | $4,768 | $9,534-50.0% | $7,494-36.4% | $12,315-61.3% |