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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 | $157,952 | $165,381-4.5% | $149,730+5.5% | $158,966-0.6% |
| Participation rate | 95.5% | 84.6%+10.9pp | 82.5%+13.0pp | 82.0%+13.5pp |
| Annual return | 20.92% | 348.29%-327.4pp | 276.70%-255.8pp | 302.95%-282.0pp |
| Employer contribution / active EE | $6,371 | $5,104+24.8% | $4,645+37.1% | $4,762+33.8% |
| Participant deferral / active EE | $6,036 | $7,182-16.0% | $6,843-11.8% | $5,983+0.9% |
| Admin fee / account holder | $8,853 | $10,809-18.1% | $9,310-4.9% | $11,250-21.3% |