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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 | $176,735 | $165,381+6.9% | $149,730+18.0% | $158,966+11.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 13.67% | 348.29%-334.6pp | 276.70%-263.0pp | 302.95%-289.3pp |
| Employer contribution / active EE | $3,185 | $5,104-37.6% | $4,645-31.4% | $4,762-33.1% |
| Participant deferral / active EE | $5,487 | $7,182-23.6% | $6,843-19.8% | $5,983-8.3% |
| Admin fee / account holder | $1,009 | $10,809-90.7% | $9,310-89.2% | $11,250-91.0% |