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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 | $75,142 | $64,348+16.8% | $90,162-16.7% | $70,131+7.1% |
| Participation rate | 71.2% | 70.4%+0.8pp | 76.9%-5.7pp | 69.5%+1.7pp |
| Annual return | 17.85% | 28.13%-10.3pp | 34.88%-17.0pp | 73.14%-55.3pp |
| Employer contribution / active EE | $411 | $2,046-79.9% | $3,318-87.6% | $2,342-82.4% |
| Participant deferral / active EE | $11,110 | $4,389+153.2% | $5,287+110.1% | $3,332+233.5% |
| Admin fee / account holder | $5,634 | $3,944+42.9% | $5,943-5.2% | $4,645+21.3% |