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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 | $86,296 | $98,776-12.6% | $149,745-42.4% | $79,856+8.1% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 18.14% | 27.38%-9.2pp | 276.72%-258.6pp | 31.71%-13.6pp |
| Employer contribution / active EE | $3,828 | $3,217+19.0% | $4,646-17.6% | $2,471+54.9% |
| Participant deferral / active EE | $3,771 | $5,681-33.6% | $6,843-44.9% | $3,741+0.8% |
| Admin fee / account holder | $3,223 | $6,053-46.8% | $9,312-65.4% | $5,306-39.3% |