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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 | $126,127 | $101,752+24.0% | $164,928-23.5% | $80,911+55.9% |
| Participation rate | 80.6% | 71.8%+8.8pp | 78.6%+2.0pp | 67.6%+13.0pp |
| Annual return | 15.90% | 16.73%-0.8pp | 70.08%-54.2pp | 35.63%-19.7pp |
| Employer contribution / active EE | $3,078 | $2,953+4.2% | $4,343-29.1% | $2,756+11.7% |
| Participant deferral / active EE | $5,387 | $4,477+20.3% | $6,034-10.7% | $4,297+25.4% |
| Admin fee / account holder | $3,330 | $8,218-59.5% | $12,684-73.8% | $6,935-52.0% |