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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 | $131,768 | $142,426-7.5% | $115,167+14.4% | $152,909-13.8% |
| Participation rate | 90.0% | 82.4%+7.6pp | 75.9%+14.1pp | 82.5%+7.5pp |
| Annual return | 20.67% | 41.48%-20.8pp | 35.60%-14.9pp | 345.46%-324.8pp |
| Employer contribution / active EE | $2,861 | $4,011-28.7% | $3,179-10.0% | $4,764-39.9% |
| Participant deferral / active EE | $5,435 | $5,165+5.2% | $4,169+30.4% | $5,851-7.1% |
| Admin fee / account holder | $1,124 | $8,464-86.7% | $7,089-84.1% | $11,601-90.3% |