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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 | $58,609 | $60,349-2.9% | $74,184-21.0% | $62,881-6.8% |
| Participation rate | 88.6% | 72.7%+15.8pp | 76.6%+12.0pp | 69.3%+19.3pp |
| Annual return | 7.64% | 21.38%-13.7pp | 17.74%-10.1pp | 20.14%-12.5pp |
| Employer contribution / active EE | $931 | $1,680-44.6% | $2,370-60.7% | $2,281-59.2% |
| Participant deferral / active EE | $3,354 | $2,856+17.4% | $3,550-5.5% | $3,203+4.7% |
| Admin fee / account holder | $2,288 | $4,261-46.3% | $5,586-59.0% | $4,296-46.7% |