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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 | $106,238 | $124,425-14.6% | $112,040-5.2% | $137,256-22.6% |
| Participation rate | 95.2% | 79.3%+15.9pp | 76.5%+18.7pp | 80.0%+15.3pp |
| Annual return | 13.45% | 24.72%-11.3pp | 24.52%-11.1pp | 220.34%-206.9pp |
| Employer contribution / active EE | $2,849 | $3,411-16.5% | $2,954-3.5% | $4,156-31.4% |
| Participant deferral / active EE | $5,686 | $5,718-0.6% | $5,098+11.5% | $6,407-11.2% |
| Admin fee / account holder | $9,553 | $15,207-37.2% | $12,098-21.0% | $12,270-22.1% |