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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 | $47,979 | $58,099-17.4% | $76,872-37.6% | $75,173-36.2% |
| Participation rate | 92.9% | 63.9%+29.0pp | 69.6%+23.3pp | 67.2%+25.7pp |
| Annual return | 21.93% | 26.71%-4.8pp | 37.90%-16.0pp | 160.72%-138.8pp |
| Employer contribution / active EE | $3,828 | $1,996+91.8% | $2,533+51.1% | $2,671+43.3% |
| Participant deferral / active EE | $8,495 | $2,999+183.3% | $3,832+121.7% | $4,126+105.9% |
| Admin fee / account holder | $9,277 | $4,778+94.2% | $5,476+69.4% | $5,651+64.2% |