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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 | $126,893 | $88,707+43.0% | $74,184+71.1% | $273,972-53.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 8.62% | 11.94%-3.3pp | 17.74%-9.1pp | 41.46%-32.8pp |
| Employer contribution / active EE | $5,294 | $3,159+67.6% | $2,370+123.4% | $4,869+8.7% |
| Participant deferral / active EE | $3,069 | $4,212-27.1% | $3,550-13.5% | $5,287-41.9% |
| Admin fee / account holder | $5,736 | $8,717-34.2% | $5,586+2.7% | $10,133-43.4% |