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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 | $68,120 | $78,425-13.1% | $95,956-29.0% | $79,858-14.7% |
| Participation rate | 86.9% | 73.5%+13.4pp | 77.1%+9.8pp | 69.6%+17.2pp |
| Annual return | 14.36% | 19.37%-5.0pp | 91.63%-77.3pp | 31.72%-17.4pp |
| Employer contribution / active EE | $1,078 | $1,945-44.6% | $2,541-57.6% | $2,471-56.4% |
| Participant deferral / active EE | $3,807 | $3,440+10.7% | $4,167-8.6% | $3,740+1.8% |
| Admin fee / account holder | $2,554 | $5,622-54.6% | $6,797-62.4% | $5,306-51.9% |