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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 | $14,716 | $76,407-80.7% | $150,298-90.2% | $82,448-82.2% |
| Participation rate | 87.0% | 66.4%+20.6pp | 77.8%+9.2pp | 68.1%+18.9pp |
| Annual return | 19.56% | 39.99%-20.4pp | 62.79%-43.2pp | 41.64%-22.1pp |
| Employer contribution / active EE | $1,864 | $2,614-28.7% | $4,154-55.1% | $2,551-26.9% |
| Participant deferral / active EE | $3,733 | $3,214+16.1% | $5,453-31.5% | $4,139-9.8% |
| Admin fee / account holder | $1,192 | $6,352-81.2% | $14,116-91.6% | $7,234-83.5% |