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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 | $104,599 | $106,864-2.1% | $147,318-29.0% | $82,637+26.6% |
| Participation rate | 88.7% | 75.5%+13.2pp | 82.1%+6.6pp | 68.1%+20.7pp |
| Annual return | 19.16% | 27.49%-8.3pp | 70.43%-51.3pp | 53.51%-34.3pp |
| Employer contribution / active EE | $4,911 | $3,417+43.7% | $4,593+6.9% | $2,552+92.4% |
| Participant deferral / active EE | $9,376 | $6,496+44.3% | $7,906+18.6% | $4,126+127.2% |
| Admin fee / account holder | $3,173 | $8,415-62.3% | $13,708-76.9% | $7,339-56.8% |