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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 | $85,704 | $115,931-26.1% | $185,441-53.8% | $86,983-1.5% |
| Participation rate | 83.3% | 73.6%+9.7pp | 80.3%+3.1pp | 69.5%+13.8pp |
| Annual return | 18.20% | 21.47%-3.3pp | 20.16%-2.0pp | 25.83%-7.6pp |
| Employer contribution / active EE | $2,842 | $2,937-3.2% | $4,672-39.2% | $2,584+10.0% |
| Participant deferral / active EE | $5,472 | $4,551+20.3% | $6,152-11.0% | $4,194+30.5% |
| Admin fee / account holder | $3,317 | $10,687-69.0% | $17,890-81.5% | $7,856-57.8% |