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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 | $89,207 | $78,670+13.4% | $109,173-18.3% | $85,847+3.9% |
| Participation rate | 96.2% | 68.3%+27.9pp | 75.9%+20.3pp | 69.3%+26.8pp |
| Annual return | 11.78% | 25.09%-13.3pp | 25.75%-14.0pp | 318.61%-306.8pp |
| Employer contribution / active EE | $4,828 | $2,734+76.6% | $3,723+29.7% | $2,565+88.2% |
| Participant deferral / active EE | $2,245 | $3,467-35.3% | $4,654-51.8% | $3,952-43.2% |
| Admin fee / account holder | $1,219 | $5,469-77.7% | $6,755-82.0% | $6,261-80.5% |