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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 | $66,748 | $72,269-7.6% | $101,271-34.1% | $79,852-16.4% |
| Participation rate | 88.0% | 68.5%+19.5pp | 75.8%+12.2pp | 69.6%+18.4pp |
| Annual return | 18.52% | 22.29%-3.8pp | 46.48%-28.0pp | 31.72%-13.2pp |
| Employer contribution / active EE | $1,822 | $2,692-32.3% | $3,660-50.2% | $2,471-26.3% |
| Participant deferral / active EE | $3,920 | $3,282+19.5% | $4,371-10.3% | $3,740+4.8% |
| Admin fee / account holder | $4,046 | $4,401-8.1% | $5,948-32.0% | $5,306-23.7% |