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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 | $131,004 | $91,198+43.6% | $178,503-26.6% | $79,856+64.1% |
| Participation rate | 76.9% | 69.2%+7.7pp | 81.9%-5.0pp | 69.6%+7.3pp |
| Annual return | 17.88% | 24.20%-6.3pp | 151.12%-133.2pp | 31.71%-13.8pp |
| Employer contribution / active EE | $2,971 | $3,257-8.8% | $5,011-40.7% | $2,471+20.2% |
| Participant deferral / active EE | $3,326 | $3,237+2.8% | $5,202-36.1% | $3,741-11.1% |
| Admin fee / account holder | $12,583 | $6,748+86.5% | $13,987-10.0% | $5,306+137.1% |