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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 | $48,267 | $81,233-40.6% | $155,567-69.0% | $80,874-40.3% |
| Participation rate | 96.2% | 66.2%+29.9pp | 78.2%+18.0pp | 67.6%+28.5pp |
| Annual return | 14.18% | 33.33%-19.1pp | 64.74%-50.6pp | 35.62%-21.4pp |
| Employer contribution / active EE | $1,591 | $3,101-48.7% | $4,674-66.0% | $2,756-42.3% |
| Participant deferral / active EE | $5,776 | $3,452+67.3% | $5,628+2.6% | $4,297+34.4% |
| Admin fee / account holder | $823 | $7,998-89.7% | $15,916-94.8% | $6,935-88.1% |