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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 | $194,834 | $202,440-3.8% | $169,390+15.0% | $139,466+39.7% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 12.87% | 532.36%-519.5pp | 406.07%-393.2pp | 373.66%-360.8pp |
| Employer contribution / active EE | $3,876 | $4,693-17.4% | $4,013-3.4% | $4,754-18.5% |
| Participant deferral / active EE | $11,489 | $6,940+65.5% | $6,222+84.6% | $6,712+71.2% |
| Admin fee / account holder | $12,102 | $10,722+12.9% | $9,015+34.2% | $11,409+6.1% |