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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 | $93,545 | $87,106+7.4% | $105,607-11.4% | $80,935+15.6% |
| Participation rate | 73.1% | 70.4%+2.6pp | 75.3%-2.2pp | 67.7%+5.4pp |
| Annual return | 13.45% | 17.01%-3.6pp | 116.11%-102.7pp | 35.66%-22.2pp |
| Employer contribution / active EE | $2,356 | $2,396-1.7% | $3,167-25.6% | $2,757-14.5% |
| Participant deferral / active EE | $5,485 | $3,986+37.6% | $5,011+9.5% | $4,299+27.6% |
| Admin fee / account holder | $539 | $8,447-93.6% | $10,958-95.1% | $6,924-92.2% |