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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 | $131,801 | $114,712+14.9% | $173,730-24.1% | $87,485+50.7% |
| Participation rate | 80.8% | 73.0%+7.8pp | 79.6%+1.2pp | 68.9%+11.8pp |
| Annual return | 15.36% | 20.18%-4.8pp | 19.96%-4.6pp | 26.06%-10.7pp |
| Employer contribution / active EE | $3,394 | $2,904+16.9% | $4,577-25.9% | $2,596+30.7% |
| Participant deferral / active EE | $5,356 | $4,642+15.4% | $6,326-15.3% | $4,274+25.3% |
| Admin fee / account holder | $2,189 | $10,210-78.6% | $17,523-87.5% | $7,775-71.8% |