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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 | $94,605 | $72,273+30.9% | $101,275-6.6% | $79,856+18.5% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 20.86% | 22.30%-1.4pp | 46.48%-25.6pp | 31.71%-10.8pp |
| Employer contribution / active EE | $1,804 | $2,691-33.0% | $3,660-50.7% | $2,471-27.0% |
| Participant deferral / active EE | $4,328 | $3,282+31.9% | $4,371-1.0% | $3,741+15.7% |
| Admin fee / account holder | $3,288 | $4,401-25.3% | $5,948-44.7% | $5,306-38.0% |