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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 | $64,582 | $108,825-40.7% | $156,181-58.6% | $82,448-21.7% |
| Participation rate | 89.2% | 72.4%+16.9pp | 78.8%+10.4pp | 68.1%+21.2pp |
| Annual return | 15.71% | 20.59%-4.9pp | 64.87%-49.2pp | 41.64%-25.9pp |
| Employer contribution / active EE | $2,506 | $2,870-12.7% | $4,294-41.6% | $2,551-1.8% |
| Participant deferral / active EE | $6,851 | $4,577+49.7% | $6,132+11.7% | $4,139+65.5% |
| Admin fee / account holder | $1,041 | $9,341-88.9% | $14,586-92.9% | $7,234-85.6% |