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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 | $27,366 | $81,457-66.4% | $103,378-73.5% | $80,911-66.2% |
| Participation rate | 96.6% | 66.8%+29.7pp | 74.5%+22.0pp | 67.6%+28.9pp |
| Annual return | 10.87% | 25.58%-14.7pp | 24.91%-14.0pp | 35.63%-24.8pp |
| Employer contribution / active EE | $2,718 | $3,107-12.5% | $3,870-29.8% | $2,756-1.4% |
| Participant deferral / active EE | $4,729 | $3,871+22.2% | $5,058-6.5% | $4,297+10.0% |
| Admin fee / account holder | $1,719 | $6,717-74.4% | $8,401-79.5% | $6,935-75.2% |