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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 | $45,286 | $138,393-67.3% | $184,256-75.4% | $80,959-44.1% |
| Participation rate | 100.0% | 83.9%+16.1pp | 86.8%+13.2pp | 67.7%+32.3pp |
| Annual return | 16.01% | 20.01%-4.0pp | 28.85%-12.8pp | 35.67%-19.7pp |
| Employer contribution / active EE | $4,367 | $4,847-9.9% | $6,427-32.1% | $2,757+58.4% |
| Participant deferral / active EE | $7,856 | $7,076+11.0% | $9,133-14.0% | $4,300+82.7% |
| Admin fee / account holder | $5,573 | $10,489-46.9% | $13,899-59.9% | $6,925-19.5% |