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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 | $65,114 | $81,446-20.1% | $103,374-37.0% | $80,874-19.5% |
| Participation rate | 70.0% | 66.9%+3.1pp | 74.5%-4.5pp | 67.6%+2.4pp |
| Annual return | 13.42% | 25.57%-12.2pp | 24.89%-11.5pp | 35.62%-22.2pp |
| Employer contribution / active EE | $2,602 | $3,107-16.3% | $3,869-32.8% | $2,756-5.6% |
| Participant deferral / active EE | $4,611 | $3,870+19.2% | $5,058-8.8% | $4,297+7.3% |
| Admin fee / account holder | $3,548 | $6,715-47.2% | $8,394-57.7% | $6,935-48.8% |