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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 | $53,075 | $106,864-50.3% | $147,318-64.0% | $82,637-35.8% |
| Participation rate | 93.1% | 75.5%+17.6pp | 82.1%+11.0pp | 68.1%+25.0pp |
| Annual return | 16.20% | 27.49%-11.3pp | 70.43%-54.2pp | 53.51%-37.3pp |
| Employer contribution / active EE | $3,768 | $3,417+10.3% | $4,593-18.0% | $2,552+47.6% |
| Participant deferral / active EE | $9,299 | $6,496+43.2% | $7,906+17.6% | $4,126+125.4% |
| Admin fee / account holder | $5,131 | $8,415-39.0% | $13,708-62.6% | $7,339-30.1% |