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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 | $61,955 | $65,027-4.7% | $90,970-31.9% | $79,852-22.4% |
| Participation rate | 77.4% | 61.6%+15.8pp | 69.0%+8.4pp | 69.6%+7.8pp |
| Annual return | 19.43% | 30.45%-11.0pp | 134.58%-115.2pp | 31.72%-12.3pp |
| Employer contribution / active EE | $1,987 | $1,247+59.3% | $2,122-6.4% | $2,471-19.6% |
| Participant deferral / active EE | $4,753 | $2,512+89.2% | $3,373+40.9% | $3,740+27.1% |
| Admin fee / account holder | $3,614 | $4,535-20.3% | $5,960-39.4% | $5,306-31.9% |