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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 | $45,383 | $89,259-49.2% | $107,187-57.7% | $82,637-45.1% |
| Participation rate | 94.1% | 67.9%+26.2pp | 75.0%+19.1pp | 68.1%+26.1pp |
| Annual return | 15.63% | 21.02%-5.4pp | 204.55%-188.9pp | 53.51%-37.9pp |
| Employer contribution / active EE | $3,163 | $3,080+2.7% | $3,782-16.4% | $2,552+23.9% |
| Participant deferral / active EE | $5,618 | $4,037+39.2% | $5,096+10.2% | $4,126+36.2% |
| Admin fee / account holder | $4,687 | $7,381-36.5% | $9,162-48.8% | $7,339-36.1% |