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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 | $76,016 | $91,198-16.6% | $178,503-57.4% | $79,856-4.8% |
| Participation rate | 92.7% | 69.2%+23.5pp | 81.9%+10.8pp | 69.6%+23.0pp |
| Annual return | 19.16% | 24.20%-5.0pp | 151.12%-132.0pp | 31.71%-12.5pp |
| Employer contribution / active EE | $3,571 | $3,257+9.6% | $5,011-28.7% | $2,471+44.5% |
| Participant deferral / active EE | $5,245 | $3,237+62.1% | $5,202+0.8% | $3,741+40.2% |
| Admin fee / account holder | $2,469 | $6,748-63.4% | $13,987-82.4% | $5,306-53.5% |