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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 | $26,429 | $64,359-58.9% | $90,161-70.7% | $70,126-62.3% |
| Participation rate | 87.8% | 70.4%+17.4pp | 76.9%+10.9pp | 69.5%+18.3pp |
| Annual return | 16.14% | 28.13%-12.0pp | 34.89%-18.7pp | 73.15%-57.0pp |
| Employer contribution / active EE | $435 | $2,046-78.7% | $3,318-86.9% | $2,343-81.4% |
| Participant deferral / active EE | $2,575 | $4,389-41.3% | $5,287-51.3% | $3,332-22.7% |
| Admin fee / account holder | $439 | $3,945-88.9% | $5,943-92.6% | $4,645-90.6% |