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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 | $52,388 | $93,345-43.9% | $119,126-56.0% | $87,485-40.1% |
| Participation rate | 95.8% | 68.7%+27.1pp | 75.8%+20.1pp | 68.9%+26.9pp |
| Annual return | 13.36% | 19.08%-5.7pp | 282.11%-268.8pp | 26.06%-12.7pp |
| Employer contribution / active EE | $1,472 | $3,172-53.6% | $4,034-63.5% | $2,596-43.3% |
| Participant deferral / active EE | $4,497 | $4,099+9.7% | $5,318-15.4% | $4,274+5.2% |
| Admin fee / account holder | $624 | $8,039-92.2% | $10,693-94.2% | $7,775-92.0% |