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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 | $20,339 | $46,877-56.6% | $122,354-83.4% | $70,126-71.0% |
| Participation rate | 81.1% | 58.2%+22.9pp | 71.6%+9.4pp | 69.5%+11.5pp |
| Annual return | 13.85% | 24.22%-10.4pp | 30.28%-16.4pp | 73.15%-59.3pp |
| Employer contribution / active EE | $1,223 | $1,288-5.0% | $4,051-69.8% | $2,343-47.8% |
| Participant deferral / active EE | $2,510 | $2,167+15.8% | $3,287-23.6% | $3,332-24.7% |
| Admin fee / account holder | $4,289 | $3,324+29.0% | $5,479-21.7% | $4,645-7.7% |