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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 | $49,788 | $95,453-47.8% | $112,040-55.6% | $82,448-39.6% |
| Participation rate | 97.4% | 72.8%+24.6pp | 76.5%+20.9pp | 68.1%+29.3pp |
| Annual return | 17.59% | 23.92%-6.3pp | 24.52%-6.9pp | 41.64%-24.0pp |
| Employer contribution / active EE | $2,161 | $2,318-6.8% | $2,954-26.8% | $2,551-15.3% |
| Participant deferral / active EE | $4,310 | $4,224+2.1% | $5,098-15.4% | $4,139+4.1% |
| Admin fee / account holder | $4,600 | $9,013-49.0% | $12,098-62.0% | $7,234-36.4% |