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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 | $146,858 | $97,648+50.4% | $121,663+20.7% | $87,485+67.9% |
| Participation rate | 73.3% | 70.5%+2.9pp | 74.5%-1.2pp | 68.9%+4.4pp |
| Annual return | 15.37% | 18.03%-2.7pp | 147.54%-132.2pp | 26.06%-10.7pp |
| Employer contribution / active EE | $692 | $2,300-69.9% | $3,020-77.1% | $2,596-73.4% |
| Participant deferral / active EE | $3,926 | $3,923+0.1% | $4,887-19.7% | $4,274-8.1% |
| Admin fee / account holder | $2,862 | $11,100-74.2% | $14,289-80.0% | $7,775-63.2% |