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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 | $58,812 | $78,197-24.8% | $98,090-40.0% | $82,637-28.8% |
| Participation rate | 100.0% | 77.5%+22.5pp | 81.5%+18.5pp | 68.1%+31.9pp |
| Annual return | 16.24% | 40.25%-24.0pp | 37.05%-20.8pp | 53.51%-37.3pp |
| Employer contribution / active EE | $1,335 | $2,605-48.8% | $3,606-63.0% | $2,552-47.7% |
| Participant deferral / active EE | $4,008 | $6,636-39.6% | $7,845-48.9% | $4,126-2.9% |
| Admin fee / account holder | $9,588 | $14,832-35.4% | $11,815-18.8% | $7,339+30.7% |