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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 | $142,593 | $146,267-2.5% | $197,124-27.7% | $82,448+72.9% |
| Participation rate | 84.6% | 84.0%+0.6pp | 86.7%-2.1pp | 68.1%+16.5pp |
| Annual return | 17.25% | 29.61%-12.4pp | 44.34%-27.1pp | 41.64%-24.4pp |
| Employer contribution / active EE | $3,610 | $4,723-23.6% | $6,227-42.0% | $2,551+41.5% |
| Participant deferral / active EE | $9,250 | $7,035+31.5% | $9,135+1.3% | $4,139+123.5% |
| Admin fee / account holder | $3,266 | $14,422-77.4% | $16,298-80.0% | $7,234-54.8% |