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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 | $49,027 | $88,672-44.7% | $105,223-53.4% | $82,448-40.5% |
| Participation rate | 70.5% | 67.9%+2.5pp | 75.0%-4.6pp | 68.1%+2.4pp |
| Annual return | 16.53% | 30.86%-14.3pp | 180.65%-164.1pp | 41.64%-25.1pp |
| Employer contribution / active EE | $2,001 | $3,048-34.3% | $3,689-45.7% | $2,551-21.6% |
| Participant deferral / active EE | $3,669 | $4,036-9.1% | $5,072-27.6% | $4,139-11.4% |
| Admin fee / account holder | $2,064 | $7,146-71.1% | $8,859-76.7% | $7,234-71.5% |