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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 | $53,730 | $107,733-50.1% | $92,985-42.2% | $154,746-65.3% |
| Participation rate | 100.0% | 74.6%+25.4pp | 69.5%+30.5pp | 80.7%+19.3pp |
| Annual return | 18.81% | 30.39%-11.6pp | 27.99%-9.2pp | 172.34%-153.5pp |
| Employer contribution / active EE | $3,501 | $3,126+12.0% | $2,662+31.5% | $4,379-20.1% |
| Participant deferral / active EE | $5,358 | $5,053+6.0% | $4,377+22.4% | $6,730-20.4% |
| Admin fee / account holder | $517 | $11,369-95.5% | $9,463-94.5% | $14,365-96.4% |