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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 | $39,577 | $100,194-60.5% | $122,979-67.8% | $86,983-54.5% |
| Participation rate | 87.6% | 73.0%+14.7pp | 77.2%+10.5pp | 69.5%+18.1pp |
| Annual return | 13.02% | 16.47%-3.5pp | 20.12%-7.1pp | 25.83%-12.8pp |
| Employer contribution / active EE | $1,485 | $2,326-36.1% | $3,062-51.5% | $2,584-42.5% |
| Participant deferral / active EE | $5,592 | $4,133+35.3% | $5,003+11.8% | $4,194+33.3% |
| Admin fee / account holder | $5,568 | $10,148-45.1% | $12,864-56.7% | $7,856-29.1% |