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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 | $65,017 | $93,598-30.5% | $135,974-52.2% | $75,173-13.5% |
| Participation rate | 95.5% | 75.2%+20.3pp | 81.9%+13.5pp | 67.2%+28.3pp |
| Annual return | 27.56% | 30.89%-3.3pp | 68.30%-40.7pp | 160.72%-133.2pp |
| Employer contribution / active EE | $3,170 | $3,538-10.4% | $4,859-34.8% | $2,671+18.7% |
| Participant deferral / active EE | $11,189 | $6,405+74.7% | $7,760+44.2% | $4,126+171.2% |
| Admin fee / account holder | $304 | $6,978-95.6% | $10,767-97.2% | $5,651-94.6% |