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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 | $48,845 | $146,267-66.6% | $197,124-75.2% | $82,448-40.8% |
| Participation rate | 92.0% | 84.0%+8.0pp | 86.7%+5.3pp | 68.1%+23.9pp |
| Annual return | 28.28% | 29.61%-1.3pp | 44.34%-16.1pp | 41.64%-13.4pp |
| Employer contribution / active EE | $6,290 | $4,723+33.2% | $6,227+1.0% | $2,551+146.6% |
| Participant deferral / active EE | $14,936 | $7,035+112.3% | $9,135+63.5% | $4,139+260.8% |
| Admin fee / account holder | $4,168 | $14,422-71.1% | $16,298-74.4% | $7,234-42.4% |