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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 | $91,829 | $76,407+20.2% | $150,298-38.9% | $82,448+11.4% |
| Participation rate | 81.1% | 66.4%+14.7pp | 77.8%+3.3pp | 68.1%+13.0pp |
| Annual return | 23.92% | 39.99%-16.1pp | 62.79%-38.9pp | 41.64%-17.7pp |
| Employer contribution / active EE | $3,973 | $2,614+52.0% | $4,154-4.4% | $2,551+55.8% |
| Participant deferral / active EE | $3,640 | $3,214+13.2% | $5,453-33.2% | $4,139-12.1% |
| Admin fee / account holder | $931 | $6,352-85.3% | $14,116-93.4% | $7,234-87.1% |