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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 | $167,997 | $165,399+1.6% | $149,745+12.2% | $158,982+5.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 15.61% | 348.34%-332.7pp | 276.72%-261.1pp | 302.99%-287.4pp |
| Employer contribution / active EE | $4,165 | $5,105-18.4% | $4,646-10.4% | $4,763-12.6% |
| Participant deferral / active EE | $10,925 | $7,183+52.1% | $6,843+59.6% | $5,983+82.6% |
| Admin fee / account holder | $1,665 | $10,811-84.6% | $9,312-82.1% | $11,252-85.2% |