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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 | $73,667 | $82,032-10.2% | $123,106-40.2% | $59,633+23.5% |
| Participation rate | 83.9% | 83.2%+0.7pp | 86.8%-2.9pp | 68.7%+15.2pp |
| Annual return | 0.08% | 5.12%-5.0pp | 13.22%-13.1pp | 2041.40%-2041.3pp |
| Employer contribution / active EE | $2,874 | $3,297-12.8% | $5,151-44.2% | $2,203+30.5% |
| Participant deferral / active EE | $5,838 | $4,667+25.1% | $6,229-6.3% | $3,192+82.9% |
| Admin fee / account holder | $2,826 | $5,881-51.9% | $9,015-68.7% | $4,297-34.2% |