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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 | $25,288 | $72,607-65.2% | $90,259-72.0% | $87,485-71.1% |
| Participation rate | 83.8% | 64.8%+19.0pp | 70.7%+13.0pp | 68.9%+14.9pp |
| Annual return | 13.73% | 18.59%-4.9pp | 18.88%-5.1pp | 26.06%-12.3pp |
| Employer contribution / active EE | $1,410 | $1,919-26.5% | $2,291-38.5% | $2,596-45.7% |
| Participant deferral / active EE | $2,815 | $3,055-7.9% | $3,827-26.4% | $4,274-34.1% |
| Admin fee / account holder | $4,661 | $5,947-21.6% | $7,267-35.9% | $7,775-40.0% |