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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 | $58,044 | $78,428-26.0% | $95,960-39.5% | $79,852-27.3% |
| Participation rate | 97.4% | 73.5%+23.9pp | 77.1%+20.3pp | 69.6%+27.7pp |
| Annual return | 22.67% | 19.37%+3.3pp | 91.63%-69.0pp | 31.72%-9.1pp |
| Employer contribution / active EE | $5,260 | $1,945+170.4% | $2,541+107.0% | $2,471+112.9% |
| Participant deferral / active EE | $4,640 | $3,440+34.9% | $4,167+11.4% | $3,740+24.1% |
| Admin fee / account holder | $611 | $5,622-89.1% | $6,797-91.0% | $5,306-88.5% |