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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 | $54,863 | $106,524-48.5% | $152,301-64.0% | $87,485-37.3% |
| Participation rate | 98.1% | 75.8%+22.4pp | 82.4%+15.7pp | 68.9%+29.2pp |
| Annual return | 18.30% | 26.89%-8.6pp | 80.50%-62.2pp | 26.06%-7.8pp |
| Employer contribution / active EE | $5,462 | $3,371+62.0% | $4,624+18.1% | $2,596+110.4% |
| Participant deferral / active EE | $7,815 | $6,525+19.8% | $8,004-2.4% | $4,274+82.9% |
| Admin fee / account holder | $16,515 | $8,287+99.3% | $14,398+14.7% | $7,775+112.4% |