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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 | $78,901 | $86,949-9.3% | $102,460-23.0% | $80,959-2.5% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 13.24% | 18.89%-5.7pp | 29.47%-16.2pp | 35.67%-22.4pp |
| Employer contribution / active EE | $3,068 | $2,370+29.5% | $3,025+1.4% | $2,757+11.3% |
| Participant deferral / active EE | $6,426 | $4,121+55.9% | $5,056+27.1% | $4,300+49.4% |
| Admin fee / account holder | $4,616 | $8,048-42.6% | $9,460-51.2% | $6,925-33.4% |