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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 | $76,281 | $77,472-1.5% | $100,392-24.0% | $80,935-5.8% |
| Participation rate | 88.5% | 76.9%+11.5pp | 81.5%+7.0pp | 67.7%+20.8pp |
| Annual return | 13.91% | 37.26%-23.4pp | 49.45%-35.5pp | 35.66%-21.8pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,941-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $8,301 | $6,818+21.7% | $8,090+2.6% | $4,299+93.1% |
| Admin fee / account holder | $549 | $5,885-90.7% | $7,904-93.1% | $6,924-92.1% |