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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 | $36,119 | $75,541-52.2% | $152,093-76.3% | $82,637-56.3% |
| Participation rate | 82.0% | 66.5%+15.5pp | 77.8%+4.2pp | 68.1%+13.9pp |
| Annual return | 14.66% | 32.56%-17.9pp | 66.36%-51.7pp | 53.51%-38.8pp |
| Employer contribution / active EE | $644 | $2,622-75.4% | $4,175-84.6% | $2,552-74.8% |
| Participant deferral / active EE | $3,970 | $3,206+23.8% | $5,451-27.2% | $4,126-3.8% |
| Admin fee / account holder | $501 | $6,405-92.2% | $14,497-96.5% | $7,339-93.2% |