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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 | $186,384 | $165,381+12.7% | $149,730+24.5% | $158,966+17.2% |
| Participation rate | 94.7% | 84.6%+10.2pp | 82.5%+12.3pp | 82.0%+12.8pp |
| Annual return | 10.68% | 348.29%-337.6pp | 276.70%-266.0pp | 302.95%-292.3pp |
| Employer contribution / active EE | $0 | $5,104-100.0% | $4,645-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $7,324 | $7,182+2.0% | $6,843+7.0% | $5,983+22.4% |
| Admin fee / account holder | $500 | $10,809-95.4% | $9,310-94.6% | $11,250-95.6% |