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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 | $52,247 | $98,766-47.1% | $149,730-65.1% | $79,852-34.6% |
| Participation rate | 75.0% | 75.8%-0.8pp | 82.5%-7.5pp | 69.6%+5.4pp |
| Annual return | 16.37% | 27.43%-11.1pp | 276.70%-260.3pp | 31.72%-15.3pp |
| Employer contribution / active EE | $2,362 | $3,217-26.6% | $4,645-49.2% | $2,471-4.4% |
| Participant deferral / active EE | $5,103 | $5,681-10.2% | $6,843-25.4% | $3,740+36.4% |
| Admin fee / account holder | $720 | $6,052-88.1% | $9,310-92.3% | $5,306-86.4% |