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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 | $74,927 | $95,406-21.5% | $185,849-59.7% | $85,847-12.7% |
| Participation rate | 96.4% | 68.8%+27.7pp | 81.7%+14.7pp | 69.3%+27.1pp |
| Annual return | 13.89% | 23.59%-9.7pp | 122.10%-108.2pp | 318.61%-304.7pp |
| Employer contribution / active EE | $1,993 | $3,314-39.8% | $5,169-61.4% | $2,565-22.3% |
| Participant deferral / active EE | $5,460 | $3,424+59.5% | $5,569-1.9% | $3,952+38.2% |
| Admin fee / account holder | $1,343 | $7,214-81.4% | $16,244-91.7% | $6,261-78.5% |