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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 | $106,739 | $86,949+22.8% | $102,460+4.2% | $80,959+31.8% |
| Participation rate | 76.7% | 72.4%+4.3pp | 76.5%+0.2pp | 67.7%+9.0pp |
| Annual return | 10.44% | 18.89%-8.5pp | 29.47%-19.0pp | 35.67%-25.2pp |
| Employer contribution / active EE | $2,263 | $2,370-4.5% | $3,025-25.2% | $2,757-17.9% |
| Participant deferral / active EE | $4,537 | $4,121+10.1% | $5,056-10.3% | $4,300+5.5% |
| Admin fee / account holder | $7,180 | $8,048-10.8% | $9,460-24.1% | $6,925+3.7% |