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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 | $42,774 | $60,349-29.1% | $74,184-42.3% | $62,881-32.0% |
| Participation rate | 89.3% | 72.7%+16.6pp | 76.6%+12.7pp | 69.3%+20.0pp |
| Annual return | 7.42% | 21.38%-14.0pp | 17.74%-10.3pp | 20.14%-12.7pp |
| Employer contribution / active EE | $1,134 | $1,680-32.5% | $2,370-52.1% | $2,281-50.3% |
| Participant deferral / active EE | $2,773 | $2,856-2.9% | $3,550-21.9% | $3,203-13.4% |
| Admin fee / account holder | $3,856 | $4,261-9.5% | $5,586-31.0% | $4,296-10.2% |