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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 | $72,250 | $88,707-18.6% | $74,184-2.6% | $273,972-73.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 6.69% | 11.94%-5.2pp | 17.74%-11.0pp | 41.46%-34.8pp |
| Employer contribution / active EE | $2,350 | $3,159-25.6% | $2,370-0.8% | $4,869-51.7% |
| Participant deferral / active EE | $4,984 | $4,212+18.3% | $3,550+40.4% | $5,287-5.7% |
| Admin fee / account holder | $410 | $8,717-95.3% | $5,586-92.7% | $10,133-96.0% |