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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 | $26,052 | $77,901-66.6% | $149,717-82.6% | $75,181-65.3% |
| Participation rate | 77.3% | 65.6%+11.7pp | 78.8%-1.5pp | 67.2%+10.1pp |
| Annual return | 16.13% | 31.73%-15.6pp | 134.41%-118.3pp | 160.69%-144.6pp |
| Employer contribution / active EE | $491 | $3,137-84.3% | $4,820-89.8% | $2,671-81.6% |
| Participant deferral / active EE | $3,583 | $3,411+5.0% | $5,682-36.9% | $4,126-13.2% |
| Admin fee / account holder | $941 | $5,949-84.2% | $13,213-92.9% | $5,650-83.3% |