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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 | $66,897 | $69,444-3.7% | $92,985-28.1% | $87,485-23.5% |
| Participation rate | 88.9% | 63.3%+25.6pp | 69.5%+19.4pp | 68.9%+20.0pp |
| Annual return | 18.15% | 23.85%-5.7pp | 27.99%-9.8pp | 26.06%-7.9pp |
| Employer contribution / active EE | $3,508 | $1,917+83.0% | $2,662+31.8% | $2,596+35.1% |
| Participant deferral / active EE | $8,746 | $3,364+160.0% | $4,377+99.8% | $4,274+104.7% |
| Admin fee / account holder | $8,729 | $6,137+42.2% | $9,463-7.8% | $7,775+12.3% |