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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 | $35,807 | $93,598-61.7% | $135,974-73.7% | $75,173-52.4% |
| Participation rate | 84.0% | 75.2%+8.8pp | 81.9%+2.1pp | 67.2%+16.8pp |
| Annual return | 18.47% | 30.89%-12.4pp | 68.30%-49.8pp | 160.72%-142.2pp |
| Employer contribution / active EE | $4,242 | $3,538+19.9% | $4,859-12.7% | $2,671+58.8% |
| Participant deferral / active EE | $8,425 | $6,405+31.5% | $7,760+8.6% | $4,126+104.2% |
| Admin fee / account holder | $685 | $6,978-90.2% | $10,767-93.6% | $5,651-87.9% |