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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 | $29,088 | $157,276-81.5% | $141,177-79.4% | $152,885-81.0% |
| Participation rate | 93.8% | 84.8%+8.9pp | 82.5%+11.3pp | 82.5%+11.3pp |
| Annual return | 26.36% | 64.33%-38.0pp | 71.40%-45.0pp | 345.39%-319.0pp |
| Employer contribution / active EE | $4,629 | $5,262-12.0% | $4,736-2.3% | $4,763-2.8% |
| Participant deferral / active EE | $9,346 | $7,110+31.4% | $6,710+39.3% | $5,851+59.7% |
| Admin fee / account holder | $607 | $12,123-95.0% | $10,263-94.1% | $11,598-94.8% |