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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 | $51,452 | $54,541-5.7% | $78,778-34.7% | $70,126-26.6% |
| Participation rate | 80.0% | 60.8%+19.2pp | 69.2%+10.8pp | 69.5%+10.5pp |
| Annual return | 12.25% | 21.07%-8.8pp | 35.62%-23.4pp | 73.15%-60.9pp |
| Employer contribution / active EE | $346 | $1,089-68.3% | $1,986-82.6% | $2,343-85.2% |
| Participant deferral / active EE | $2,264 | $2,210+2.4% | $2,958-23.5% | $3,332-32.1% |
| Admin fee / account holder | $6,677 | $3,709+80.1% | $5,134+30.1% | $4,645+43.7% |