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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 | $167,438 | $165,361+1.3% | $149,715+11.8% | $158,950+5.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 16.95% | 348.24%-331.3pp | 276.66%-259.7pp | 302.91%-286.0pp |
| Employer contribution / active EE | $4,299 | $5,103-15.8% | $4,645-7.4% | $4,762-9.7% |
| Participant deferral / active EE | $12,901 | $7,182+79.6% | $6,842+88.6% | $5,983+115.6% |
| Admin fee / account holder | $10,745 | $10,808-0.6% | $9,310+15.4% | $11,248-4.5% |