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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 | $68,197 | $72,272-5.6% | $101,264-32.7% | $79,858-14.6% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 16.78% | 22.30%-5.5pp | 46.48%-29.7pp | 31.72%-14.9pp |
| Employer contribution / active EE | $2,578 | $2,692-4.2% | $3,660-29.6% | $2,471+4.3% |
| Participant deferral / active EE | $7,948 | $3,282+142.2% | $4,370+81.9% | $3,740+112.5% |
| Admin fee / account holder | $4,591 | $4,401+4.3% | $5,947-22.8% | $5,306-13.5% |