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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 | $31,195 | $81,331-61.6% | $155,534-79.9% | $80,935-61.5% |
| Participation rate | 78.7% | 66.3%+12.5pp | 78.2%+0.5pp | 67.7%+11.1pp |
| Annual return | 18.02% | 33.37%-15.3pp | 64.92%-46.9pp | 35.66%-17.6pp |
| Employer contribution / active EE | $2,643 | $3,105-14.9% | $4,675-43.5% | $2,757-4.1% |
| Participant deferral / active EE | $4,851 | $3,454+40.4% | $5,630-13.8% | $4,299+12.8% |
| Admin fee / account holder | $724 | $7,999-90.9% | $15,900-95.4% | $6,924-89.5% |