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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 | $73,508 | $103,392-28.9% | $87,104-15.6% | $152,897-51.9% |
| Participation rate | 78.6% | 79.4%-0.8pp | 76.9%+1.7pp | 82.5%-3.9pp |
| Annual return | 24.16% | 28.10%-3.9pp | 28.19%-4.0pp | 345.43%-321.3pp |
| Employer contribution / active EE | $1,735 | $3,221-46.1% | $2,521-31.2% | $4,764-63.6% |
| Participant deferral / active EE | $2,714 | $4,778-43.2% | $4,048-33.0% | $5,851-53.6% |
| Admin fee / account holder | $314 | $12,194-97.4% | $7,491-95.8% | $11,599-97.3% |