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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 | $43,386 | $58,627-26.0% | $76,735-43.5% | $82,448-47.4% |
| Participation rate | 96.2% | 63.2%+32.9pp | 69.5%+26.7pp | 68.1%+28.1pp |
| Annual return | 16.10% | 39.10%-23.0pp | 29.77%-13.7pp | 41.64%-25.5pp |
| Employer contribution / active EE | $10,337 | $1,729+497.8% | $2,454+321.2% | $2,551+305.2% |
| Participant deferral / active EE | $4,109 | $3,134+31.1% | $4,088+0.5% | $4,139-0.7% |
| Admin fee / account holder | $16,557 | $5,323+211.1% | $7,189+130.3% | $7,234+128.9% |