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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 | $61,534 | $199,109-69.1% | $173,730-64.6% | $154,746-60.2% |
| Participation rate | 94.7% | 82.8%+11.9pp | 79.6%+15.2pp | 80.7%+14.0pp |
| Annual return | 15.64% | 20.02%-4.4pp | 19.96%-4.3pp | 172.34%-156.7pp |
| Employer contribution / active EE | $3,419 | $5,311-35.6% | $4,577-25.3% | $4,379-21.9% |
| Participant deferral / active EE | $7,832 | $7,113+10.1% | $6,326+23.8% | $6,730+16.4% |
| Admin fee / account holder | $325 | $20,916-98.4% | $17,523-98.1% | $14,365-97.7% |