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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 | $38,363 | $181,898-78.9% | $156,552-75.5% | $273,970-86.0% |
| Participation rate | 93.3% | 88.4%+4.9pp | 84.0%+9.3pp | 83.0%+10.3pp |
| Annual return | 7.39% | 30.74%-23.4pp | 32.23%-24.8pp | 41.46%-34.1pp |
| Employer contribution / active EE | $7,516 | $6,248+20.3% | $5,501+36.6% | $4,869+54.4% |
| Participant deferral / active EE | $6,036 | $5,550+8.8% | $4,871+23.9% | $5,287+14.2% |
| Admin fee / account holder | $1,103 | $15,560-92.9% | $13,028-91.5% | $10,132-89.1% |