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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 | $41,405 | $95,404-56.6% | $113,397-63.5% | $82,637-49.9% |
| Participation rate | 96.2% | 72.8%+23.3pp | 76.5%+19.7pp | 68.1%+28.1pp |
| Annual return | 16.28% | 19.08%-2.8pp | 23.20%-6.9pp | 53.51%-37.2pp |
| Employer contribution / active EE | $3,056 | $2,307+32.5% | $2,977+2.6% | $2,552+19.7% |
| Participant deferral / active EE | $5,522 | $4,220+30.9% | $5,076+8.8% | $4,126+33.8% |
| Admin fee / account holder | $7,706 | $9,168-15.9% | $11,957-35.5% | $7,339+5.0% |