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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 | $84,374 | $98,760-14.6% | $149,715-43.6% | $79,858+5.7% |
| Participation rate | 80.0% | 75.8%+4.2pp | 82.5%-2.5pp | 69.6%+10.4pp |
| Annual return | 20.49% | 27.43%-6.9pp | 276.66%-256.2pp | 31.72%-11.2pp |
| Employer contribution / active EE | $1,270 | $3,217-60.5% | $4,645-72.7% | $2,471-48.6% |
| Participant deferral / active EE | $3,432 | $5,681-39.6% | $6,842-49.8% | $3,740-8.2% |
| Admin fee / account holder | $1,921 | $6,053-68.3% | $9,310-79.4% | $5,306-63.8% |