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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 | $135,885 | $181,896-25.3% | $156,551-13.2% | $273,972-50.4% |
| Participation rate | 88.9% | 88.4%+0.5pp | 84.0%+4.9pp | 83.0%+5.9pp |
| Annual return | 8.94% | 30.74%-21.8pp | 32.23%-23.3pp | 41.46%-32.5pp |
| Employer contribution / active EE | $2,262 | $6,248-63.8% | $5,501-58.9% | $4,869-53.5% |
| Participant deferral / active EE | $5,641 | $5,550+1.6% | $4,871+15.8% | $5,287+6.7% |
| Admin fee / account holder | $8,163 | $15,560-47.5% | $13,028-37.3% | $10,133-19.4% |