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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 | $41,767 | $60,349-30.8% | $74,184-43.7% | $62,881-33.6% |
| Participation rate | 100.0% | 72.7%+27.3pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 7.43% | 21.38%-13.9pp | 17.74%-10.3pp | 20.14%-12.7pp |
| Employer contribution / active EE | $2,953 | $1,680+75.7% | $2,370+24.6% | $2,281+29.5% |
| Participant deferral / active EE | $3,223 | $2,856+12.8% | $3,550-9.2% | $3,203+0.6% |
| Admin fee / account holder | $2,355 | $4,261-44.7% | $5,586-57.8% | $4,296-45.2% |