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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 | $45,267 | $138,386-67.3% | $184,260-75.4% | $80,935-44.1% |
| Participation rate | 74.6% | 83.9%-9.3pp | 86.8%-12.2pp | 67.7%+6.9pp |
| Annual return | 14.15% | 20.02%-5.9pp | 28.84%-14.7pp | 35.66%-21.5pp |
| Employer contribution / active EE | $2,205 | $4,851-54.5% | $6,427-65.7% | $2,757-20.0% |
| Participant deferral / active EE | $6,986 | $7,076-1.3% | $9,133-23.5% | $4,299+62.5% |
| Admin fee / account holder | $1,314 | $10,489-87.5% | $13,898-90.5% | $6,924-81.0% |