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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 | $186,098 | $101,778+82.8% | $164,975+12.8% | $80,925+130.0% |
| Participation rate | 75.0% | 71.8%+3.2pp | 78.6%-3.6pp | 67.7%+7.3pp |
| Annual return | 13.84% | 16.73%-2.9pp | 70.12%-56.3pp | 35.65%-21.8pp |
| Employer contribution / active EE | $2,500 | $2,954-15.4% | $4,343-42.4% | $2,756-9.3% |
| Participant deferral / active EE | $4,663 | $4,477+4.2% | $6,033-22.7% | $4,299+8.5% |
| Admin fee / account holder | $12,303 | $8,221+49.6% | $12,688-3.0% | $6,940+77.3% |