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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 | $70,614 | $91,559-22.9% | $133,978-47.3% | $79,856-11.6% |
| Participation rate | 86.2% | 73.3%+12.9pp | 79.8%+6.4pp | 69.6%+16.6pp |
| Annual return | 14.11% | 61.85%-47.7pp | 45.10%-31.0pp | 31.71%-17.6pp |
| Employer contribution / active EE | $5,710 | $2,384+139.5% | $3,919+45.7% | $2,471+131.0% |
| Participant deferral / active EE | $4,318 | $3,734+15.7% | $5,047-14.4% | $3,741+15.4% |
| Admin fee / account holder | $1,570 | $6,321-75.2% | $8,930-82.4% | $5,306-70.4% |