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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 | $115,414 | $72,492+59.2% | $87,104+32.5% | $72,975+58.2% |
| Participation rate | 84.4% | 72.8%+11.6pp | 76.9%+7.5pp | 69.5%+14.9pp |
| Annual return | 25.25% | 24.46%+0.8pp | 28.19%-2.9pp | 81.01%-55.8pp |
| Employer contribution / active EE | $477 | $1,894-74.8% | $2,521-81.1% | $2,440-80.4% |
| Participant deferral / active EE | $4,264 | $3,270+30.4% | $4,048+5.3% | $3,608+18.2% |
| Admin fee / account holder | $433 | $5,055-91.4% | $7,491-94.2% | $5,124-91.5% |