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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 | $79,677 | $69,444+14.7% | $92,985-14.3% | $87,485-8.9% |
| Participation rate | 92.9% | 63.3%+29.6pp | 69.5%+23.4pp | 68.9%+23.9pp |
| Annual return | 22.36% | 23.85%-1.5pp | 27.99%-5.6pp | 26.06%-3.7pp |
| Employer contribution / active EE | $3,767 | $1,917+96.5% | $2,662+41.5% | $2,596+45.1% |
| Participant deferral / active EE | $4,856 | $3,364+44.3% | $4,377+10.9% | $4,274+13.6% |
| Admin fee / account holder | $329 | $6,137-94.6% | $9,463-96.5% | $7,775-95.8% |