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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 | $127,087 | $108,825+16.8% | $156,181-18.6% | $82,448+54.1% |
| Participation rate | 82.9% | 72.4%+10.6pp | 78.8%+4.1pp | 68.1%+14.9pp |
| Annual return | 19.04% | 20.59%-1.5pp | 64.87%-45.8pp | 41.64%-22.6pp |
| Employer contribution / active EE | $2,124 | $2,870-26.0% | $4,294-50.5% | $2,551-16.7% |
| Participant deferral / active EE | $6,397 | $4,577+39.8% | $6,132+4.3% | $4,139+54.5% |
| Admin fee / account holder | $3,536 | $9,341-62.1% | $14,586-75.8% | $7,234-51.1% |