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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 | $99,849 | $88,672+12.6% | $105,223-5.1% | $82,448+21.1% |
| Participation rate | 93.2% | 67.9%+25.3pp | 75.0%+18.2pp | 68.1%+25.2pp |
| Annual return | 14.54% | 30.86%-16.3pp | 180.65%-166.1pp | 41.64%-27.1pp |
| Employer contribution / active EE | $2,540 | $3,048-16.7% | $3,689-31.2% | $2,551-0.4% |
| Participant deferral / active EE | $4,847 | $4,036+20.1% | $5,072-4.4% | $4,139+17.1% |
| Admin fee / account holder | $2,377 | $7,146-66.7% | $8,859-73.2% | $7,234-67.1% |