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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 | $109,481 | $88,672+23.5% | $105,223+4.0% | $82,448+32.8% |
| Participation rate | 87.9% | 67.9%+20.0pp | 75.0%+12.8pp | 68.1%+19.8pp |
| Annual return | 13.67% | 30.86%-17.2pp | 180.65%-167.0pp | 41.64%-28.0pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,430 | $4,036+9.8% | $5,072-12.6% | $4,139+7.0% |
| Admin fee / account holder | $3,740 | $7,146-47.7% | $8,859-57.8% | $7,234-48.3% |