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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 | $67,216 | $145,431-53.8% | $211,142-68.2% | $87,485-23.2% |
| Participation rate | 85.9% | 84.7%+1.2pp | 87.3%-1.4pp | 68.9%+17.0pp |
| Annual return | 18.59% | 27.21%-8.6pp | 46.84%-28.2pp | 26.06%-7.5pp |
| Employer contribution / active EE | $4,640 | $4,662-0.5% | $6,442-28.0% | $2,596+78.7% |
| Participant deferral / active EE | $5,120 | $6,859-25.3% | $9,284-44.9% | $4,274+19.8% |
| Admin fee / account holder | $2,642 | $17,052-84.5% | $19,076-86.1% | $7,775-66.0% |