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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 | $96,825 | $91,179+6.2% | $178,499-45.8% | $79,852+21.3% |
| Participation rate | 93.8% | 69.2%+24.5pp | 81.9%+11.8pp | 69.6%+24.1pp |
| Annual return | 14.58% | 24.19%-9.6pp | 151.10%-136.5pp | 31.72%-17.1pp |
| Employer contribution / active EE | $1,985 | $3,256-39.0% | $5,011-60.4% | $2,471-19.7% |
| Participant deferral / active EE | $4,009 | $3,236+23.9% | $5,202-22.9% | $3,740+7.2% |
| Admin fee / account holder | $765 | $6,749-88.7% | $13,986-94.5% | $5,306-85.6% |