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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 | $38,460 | $79,449-51.6% | $189,575-79.7% | $85,847-55.2% |
| Participation rate | 87.1% | 66.0%+21.1pp | 78.4%+8.6pp | 69.3%+17.8pp |
| Annual return | 17.65% | 18.45%-0.8pp | 64.19%-46.5pp | 318.61%-301.0pp |
| Employer contribution / active EE | $1,231 | $2,081-40.8% | $4,412-72.1% | $2,565-52.0% |
| Participant deferral / active EE | $4,323 | $4,051+6.7% | $6,174-30.0% | $3,952+9.4% |
| Admin fee / account holder | $395 | $5,377-92.7% | $9,806-96.0% | $6,261-93.7% |