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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 | $101,440 | $67,602+50.1% | $82,312+23.2% | $70,126+44.7% |
| Participation rate | 70.9% | 72.8%-1.9pp | 76.9%-6.0pp | 69.5%+1.4pp |
| Annual return | 17.30% | 21.57%-4.3pp | 25.88%-8.6pp | 73.15%-55.8pp |
| Employer contribution / active EE | $436 | $1,755-75.1% | $2,428-82.0% | $2,343-81.4% |
| Participant deferral / active EE | $4,095 | $2,987+37.1% | $3,706+10.5% | $3,332+22.9% |
| Admin fee / account holder | $5,023 | $4,512+11.3% | $5,608-10.4% | $4,645+8.1% |