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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 | $43,062 | $57,590-25.2% | $86,233-50.1% | $82,448-47.8% |
| Participation rate | 85.3% | 57.9%+27.4pp | 69.0%+16.3pp | 68.1%+17.2pp |
| Annual return | 18.57% | 22.41%-3.8pp | 61.39%-42.8pp | 41.64%-23.1pp |
| Employer contribution / active EE | $3,087 | $1,655+86.5% | $2,504+23.3% | $2,551+21.0% |
| Participant deferral / active EE | $4,855 | $3,080+57.7% | $4,559+6.5% | $4,139+17.3% |
| Admin fee / account holder | $14,852 | $4,730+214.0% | $8,342+78.0% | $7,234+105.3% |