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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 | $108,825-21.2% | $156,181-45.1% | $82,448+3.9% |
| Participation rate | 83.3% | 72.4%+11.0pp | 78.8%+4.5pp | 68.1%+15.3pp |
| Annual return | 18.20% | 20.59%-2.4pp | 64.87%-46.7pp | 41.64%-23.4pp |
| Employer contribution / active EE | $2,842 | $2,870-1.0% | $4,294-33.8% | $2,551+11.4% |
| Participant deferral / active EE | $5,472 | $4,577+19.6% | $6,132-10.8% | $4,139+32.2% |
| Admin fee / account holder | $3,317 | $9,341-64.5% | $14,586-77.3% | $7,234-54.1% |