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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 | $67,000 | $78,428-14.6% | $95,960-30.2% | $79,852-16.1% |
| Participation rate | 83.3% | 73.5%+9.8pp | 77.1%+6.3pp | 69.6%+13.7pp |
| Annual return | 11.43% | 19.37%-7.9pp | 91.63%-80.2pp | 31.72%-20.3pp |
| Employer contribution / active EE | $1,726 | $1,945-11.3% | $2,541-32.1% | $2,471-30.1% |
| Participant deferral / active EE | $2,950 | $3,440-14.2% | $4,167-29.2% | $3,740-21.1% |
| Admin fee / account holder | $8,702 | $5,622+54.8% | $6,797+28.0% | $5,306+64.0% |