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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 | $51,343 | $86,940-40.9% | $102,434-49.9% | $80,935-36.6% |
| Participation rate | 90.7% | 72.4%+18.3pp | 76.5%+14.2pp | 67.7%+23.0pp |
| Annual return | 15.36% | 18.89%-3.5pp | 29.46%-14.1pp | 35.66%-20.3pp |
| Employer contribution / active EE | $2,058 | $2,370-13.2% | $3,023-31.9% | $2,757-25.4% |
| Participant deferral / active EE | $3,336 | $4,121-19.1% | $5,055-34.0% | $4,299-22.4% |
| Admin fee / account holder | $4,623 | $8,047-42.5% | $9,462-51.1% | $6,924-33.2% |