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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 | $72,313 | $71,353+1.3% | $92,805-22.1% | $86,983-16.9% |
| Participation rate | 74.1% | 80.9%-6.8pp | 83.5%-9.4pp | 69.5%+4.5pp |
| Annual return | 16.54% | 44.68%-28.1pp | 31.59%-15.1pp | 25.83%-9.3pp |
| Employer contribution / active EE | $2,810 | $2,468+13.8% | $3,424-17.9% | $2,584+8.7% |
| Participant deferral / active EE | $5,313 | $6,966-23.7% | $8,448-37.1% | $4,194+26.7% |
| Admin fee / account holder | $430 | $6,099-93.0% | $10,911-96.1% | $7,856-94.5% |