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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 | $31,747 | $78,520-59.6% | $96,576-67.1% | $82,448-61.5% |
| Participation rate | 90.3% | 77.7%+12.6pp | 81.4%+8.9pp | 68.1%+22.3pp |
| Annual return | 35.10% | 41.30%-6.2pp | 38.47%-3.4pp | 41.64%-6.5pp |
| Employer contribution / active EE | $3,360 | $2,630+27.8% | $3,553-5.4% | $2,551+31.7% |
| Participant deferral / active EE | $8,171 | $6,754+21.0% | $7,956+2.7% | $4,139+97.4% |
| Admin fee / account holder | $822 | $13,455-93.9% | $11,381-92.8% | $7,234-88.6% |