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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 | $28,383 | $72,492-60.8% | $87,104-67.4% | $72,975-61.1% |
| Participation rate | 87.5% | 72.8%+14.7pp | 76.9%+10.6pp | 69.5%+18.0pp |
| Annual return | 20.33% | 24.46%-4.1pp | 28.19%-7.9pp | 81.01%-60.7pp |
| Employer contribution / active EE | $1,637 | $1,894-13.6% | $2,521-35.1% | $2,440-32.9% |
| Participant deferral / active EE | $3,229 | $3,270-1.2% | $4,048-20.2% | $3,608-10.5% |
| Admin fee / account holder | $5,283 | $5,055+4.5% | $7,491-29.5% | $5,124+3.1% |