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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 | $127,914 | $69,590+83.8% | $136,867-6.5% | $94,015+36.1% |
| Participation rate | 93.1% | 66.3%+26.8pp | 74.5%+18.6pp | 70.8%+22.3pp |
| Annual return | 17.36% | 19.62%-2.3pp | 42.97%-25.6pp | 17.84%-0.5pp |
| Employer contribution / active EE | $3,299 | $2,396+37.7% | $3,547-7.0% | $2,790+18.3% |
| Participant deferral / active EE | $7,924 | $3,437+130.6% | $4,924+60.9% | $4,249+86.5% |
| Admin fee / account holder | $430 | $8,912-95.2% | $10,340-95.8% | $8,951-95.2% |