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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 | $99,465 | $106,524-6.6% | $152,301-34.7% | $87,485+13.7% |
| Participation rate | 95.1% | 75.8%+19.3pp | 82.4%+12.6pp | 68.9%+26.2pp |
| Annual return | 18.92% | 26.89%-8.0pp | 80.50%-61.6pp | 26.06%-7.1pp |
| Employer contribution / active EE | $2,342 | $3,371-30.5% | $4,624-49.4% | $2,596-9.8% |
| Participant deferral / active EE | $7,754 | $6,525+18.8% | $8,004-3.1% | $4,274+81.4% |
| Admin fee / account holder | $1,158 | $8,287-86.0% | $14,398-92.0% | $7,775-85.1% |