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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 | $37,510 | $46,599-19.5% | $64,101-41.5% | $75,173-50.1% |
| Participation rate | 89.7% | 65.9%+23.7pp | 72.3%+17.3pp | 67.2%+22.5pp |
| Annual return | 20.40% | 26.06%-5.7pp | 33.72%-13.3pp | 160.72%-140.3pp |
| Employer contribution / active EE | $1,110 | $1,975-43.8% | $2,749-59.6% | $2,671-58.4% |
| Participant deferral / active EE | $6,516 | $2,837+129.7% | $3,881+67.9% | $4,126+57.9% |
| Admin fee / account holder | $5,089 | $2,956+72.2% | $3,070+65.7% | $5,651-9.9% |