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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 | $171,740 | $211,239-18.7% | $178,528-3.8% | $145,877+17.7% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 10.47% | 30.22%-19.8pp | 27.11%-16.6pp | 551.28%-540.8pp |
| Employer contribution / active EE | $1,716 | $4,570-62.5% | $3,950-56.6% | $4,663-63.2% |
| Participant deferral / active EE | $9,695 | $6,963+39.2% | $6,278+54.4% | $6,691+44.9% |
| Admin fee / account holder | $4,169 | $12,095-65.5% | $10,419-60.0% | $13,402-68.9% |