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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 | $93,782 | $106,749-12.1% | $145,433-35.5% | $82,448+13.7% |
| Participation rate | 90.2% | 75.6%+14.6pp | 82.1%+8.1pp | 68.1%+22.2pp |
| Annual return | 17.19% | 27.59%-10.4pp | 66.58%-49.4pp | 41.64%-24.5pp |
| Employer contribution / active EE | $908 | $3,444-73.6% | $4,554-80.1% | $2,551-64.4% |
| Participant deferral / active EE | $7,162 | $6,519+9.9% | $7,897-9.3% | $4,139+73.0% |
| Admin fee / account holder | $1,262 | $8,390-85.0% | $13,129-90.4% | $7,234-82.6% |