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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 | $82,179 | $95,453-13.9% | $112,040-26.7% | $82,448-0.3% |
| Participation rate | 97.5% | 72.8%+24.7pp | 76.5%+21.0pp | 68.1%+29.4pp |
| Annual return | 19.15% | 23.92%-4.8pp | 24.52%-5.4pp | 41.64%-22.5pp |
| Employer contribution / active EE | $2,357 | $2,318+1.7% | $2,954-20.2% | $2,551-7.6% |
| Participant deferral / active EE | $6,708 | $4,224+58.8% | $5,098+31.6% | $4,139+62.0% |
| Admin fee / account holder | $559 | $9,013-93.8% | $12,098-95.4% | $7,234-92.3% |