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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 | $90,393 | $88,672+1.9% | $105,223-14.1% | $82,448+9.6% |
| Participation rate | 78.1% | 67.9%+10.2pp | 75.0%+3.1pp | 68.1%+10.1pp |
| Annual return | 18.34% | 30.86%-12.5pp | 180.65%-162.3pp | 41.64%-23.3pp |
| Employer contribution / active EE | $5,602 | $3,048+83.8% | $3,689+51.9% | $2,551+119.6% |
| Participant deferral / active EE | $7,979 | $4,036+97.7% | $5,072+57.3% | $4,139+92.8% |
| Admin fee / account holder | $4,175 | $7,146-41.6% | $8,859-52.9% | $7,234-42.3% |