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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 | $43,949 | $72,269-39.2% | $101,271-56.6% | $79,852-45.0% |
| Participation rate | 93.1% | 68.5%+24.6pp | 75.8%+17.2pp | 69.6%+23.4pp |
| Annual return | 14.98% | 22.29%-7.3pp | 46.48%-31.5pp | 31.72%-16.7pp |
| Employer contribution / active EE | $3,264 | $2,692+21.3% | $3,660-10.8% | $2,471+32.1% |
| Participant deferral / active EE | $6,675 | $3,282+103.4% | $4,371+52.7% | $3,740+78.5% |
| Admin fee / account holder | $3,872 | $4,401-12.0% | $5,948-34.9% | $5,306-27.0% |