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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 | $83,786 | $110,137-23.9% | $161,149-48.0% | $82,637+1.4% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 18.92% | 20.69%-1.8pp | 21.16%-2.2pp | 53.51%-34.6pp |
| Employer contribution / active EE | $3,026 | $2,856+5.9% | $4,360-30.6% | $2,552+18.6% |
| Participant deferral / active EE | $8,150 | $4,575+78.2% | $6,153+32.4% | $4,126+97.5% |
| Admin fee / account holder | $7,502 | $9,467-20.8% | $15,194-50.6% | $7,339+2.2% |