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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 | $41,764 | $81,331-48.6% | $155,534-73.1% | $80,935-48.4% |
| Participation rate | 73.0% | 66.3%+6.8pp | 78.2%-5.2pp | 67.7%+5.4pp |
| Annual return | 17.04% | 33.37%-16.3pp | 64.92%-47.9pp | 35.66%-18.6pp |
| Employer contribution / active EE | $1,802 | $3,105-42.0% | $4,675-61.5% | $2,757-34.6% |
| Participant deferral / active EE | $4,145 | $3,454+20.0% | $5,630-26.4% | $4,299-3.6% |
| Admin fee / account holder | $1,791 | $7,999-77.6% | $15,900-88.7% | $6,924-74.1% |