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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 | $36,296 | $81,504-55.5% | $102,437-64.6% | $80,959-55.2% |
| Participation rate | 75.8% | 66.9%+9.0pp | 74.5%+1.3pp | 67.7%+8.1pp |
| Annual return | 12.63% | 25.60%-13.0pp | 24.95%-12.3pp | 35.67%-23.0pp |
| Employer contribution / active EE | $2,665 | $3,104-14.1% | $3,871-31.2% | $2,757-3.4% |
| Participant deferral / active EE | $4,548 | $3,871+17.5% | $5,060-10.1% | $4,300+5.8% |
| Admin fee / account holder | $2,435 | $6,719-63.8% | $8,388-71.0% | $6,925-64.8% |