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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 | $190,810 | $165,399+15.4% | $149,745+27.4% | $158,982+20.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 10.97% | 348.34%-337.4pp | 276.72%-265.8pp | 302.99%-292.0pp |
| Employer contribution / active EE | $4,413 | $5,105-13.5% | $4,646-5.0% | $4,763-7.3% |
| Participant deferral / active EE | $8,826 | $7,183+22.9% | $6,843+29.0% | $5,983+47.5% |
| Admin fee / account holder | $1,445 | $10,811-86.6% | $9,312-84.5% | $11,252-87.2% |