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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 | $41,475 | $185,312-77.6% | $161,489-74.3% | $154,746-73.2% |
| Participation rate | 88.9% | 82.5%+6.4pp | 78.7%+10.2pp | 80.7%+8.2pp |
| Annual return | 16.41% | 103.84%-87.4pp | 89.72%-73.3pp | 172.34%-155.9pp |
| Employer contribution / active EE | $1,599 | $4,769-66.5% | $4,268-62.5% | $4,379-63.5% |
| Participant deferral / active EE | $6,765 | $6,350+6.5% | $5,630+20.2% | $6,730+0.5% |
| Admin fee / account holder | $378 | $18,654-98.0% | $16,006-97.6% | $14,365-97.4% |