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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 | $150,573 | $165,399-9.0% | $149,745+0.6% | $158,982-5.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 12.85% | 348.34%-335.5pp | 276.72%-263.9pp | 302.99%-290.1pp |
| Employer contribution / active EE | $3,589 | $5,105-29.7% | $4,646-22.7% | $4,763-24.6% |
| Participant deferral / active EE | $10,543 | $7,183+46.8% | $6,843+54.1% | $5,983+76.2% |
| Admin fee / account holder | $8,574 | $10,811-20.7% | $9,312-7.9% | $11,252-23.8% |