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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 | $93,098 | $106,864-12.9% | $147,318-36.8% | $82,637+12.7% |
| Participation rate | 83.9% | 75.5%+8.4pp | 82.1%+1.8pp | 68.1%+15.8pp |
| Annual return | 15.65% | 27.49%-11.8pp | 70.43%-54.8pp | 53.51%-37.9pp |
| Employer contribution / active EE | $3,622 | $3,417+6.0% | $4,593-21.1% | $2,552+41.9% |
| Participant deferral / active EE | $8,813 | $6,496+35.7% | $7,906+11.5% | $4,126+113.6% |
| Admin fee / account holder | $5,762 | $8,415-31.5% | $13,708-58.0% | $7,339-21.5% |