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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 | $89,918 | $136,860-34.3% | $120,344-25.3% | $154,746-41.9% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 17.34% | 21.38%-4.0pp | 20.30%-3.0pp | 172.34%-155.0pp |
| Employer contribution / active EE | $3,637 | $3,533+2.9% | $3,020+20.4% | $4,379-17.0% |
| Participant deferral / active EE | $4,833 | $5,793-16.6% | $5,135-5.9% | $6,730-28.2% |
| Admin fee / account holder | $676 | $15,393-95.6% | $12,742-94.7% | $14,365-95.3% |