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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 | $172,972 | $165,381+4.6% | $149,730+15.5% | $158,966+8.8% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 11.94% | 348.29%-336.4pp | 276.70%-264.8pp | 302.95%-291.0pp |
| Employer contribution / active EE | $7,385 | $5,104+44.7% | $4,645+59.0% | $4,762+55.1% |
| Participant deferral / active EE | $5,000 | $7,182-30.4% | $6,843-26.9% | $5,983-16.4% |
| Admin fee / account holder | $8,376 | $10,809-22.5% | $9,310-10.0% | $11,250-25.6% |