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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 | $128,987 | $116,203+11.0% | $93,621+37.8% | $152,897-15.6% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 23.94% | 35.96%-12.0pp | 32.76%-8.8pp | 345.43%-321.5pp |
| Employer contribution / active EE | $1,016 | $3,219-68.4% | $2,719-62.6% | $4,764-78.7% |
| Participant deferral / active EE | $5,280 | $4,605+14.7% | $4,070+29.7% | $5,851-9.8% |
| Admin fee / account holder | $3,858 | $10,751-64.1% | $7,890-51.1% | $11,599-66.7% |