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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 | $108,278 | $93,617+15.7% | $135,982-20.4% | $75,177+44.0% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 19.00% | 30.89%-11.9pp | 68.32%-49.3pp | 160.75%-141.7pp |
| Employer contribution / active EE | $4,368 | $3,538+23.5% | $4,859-10.1% | $2,671+63.5% |
| Participant deferral / active EE | $4,062 | $6,406-36.6% | $7,760-47.7% | $4,126-1.6% |
| Admin fee / account holder | $2,299 | $6,980-67.1% | $10,767-78.7% | $5,651-59.3% |