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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 | $43,718 | $72,027-39.3% | $185,861-76.5% | $79,856-45.3% |
| Participation rate | 72.5% | 65.8%+6.7pp | 78.0%-5.5pp | 69.6%+2.9pp |
| Annual return | 15.99% | 23.13%-7.1pp | 35.96%-20.0pp | 31.71%-15.7pp |
| Employer contribution / active EE | $1,412 | $1,965-28.2% | $4,088-65.5% | $2,471-42.9% |
| Participant deferral / active EE | $10,603 | $3,780+180.5% | $5,634+88.2% | $3,741+183.5% |
| Admin fee / account holder | $10,352 | $4,513+129.4% | $9,503+8.9% | $5,306+95.1% |