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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 | $69,467 | $63,365+9.6% | $91,994-24.5% | $72,976-4.8% |
| Participation rate | 97.1% | 72.5%+24.6pp | 78.6%+18.5pp | 69.5%+27.7pp |
| Annual return | 23.69% | 35.35%-11.7pp | 69.04%-45.3pp | 81.02%-57.3pp |
| Employer contribution / active EE | $1,585 | $2,116-25.1% | $3,453-54.1% | $2,440-35.1% |
| Participant deferral / active EE | $8,807 | $4,883+80.3% | $5,924+48.7% | $3,608+144.1% |
| Admin fee / account holder | $2,303 | $4,670-50.7% | $7,744-70.3% | $5,124-55.1% |