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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 | $147,353 | $165,381-10.9% | $149,730-1.6% | $158,966-7.3% |
| Participation rate | 95.0% | 84.6%+10.4pp | 82.5%+12.5pp | 82.0%+13.0pp |
| Annual return | 9.86% | 348.29%-338.4pp | 276.70%-266.8pp | 302.95%-293.1pp |
| Employer contribution / active EE | $16,597 | $5,104+225.2% | $4,645+257.3% | $4,762+248.5% |
| Participant deferral / active EE | $8,671 | $7,182+20.7% | $6,843+26.7% | $5,983+44.9% |
| Admin fee / account holder | $6,667 | $10,809-38.3% | $9,310-28.4% | $11,250-40.7% |