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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 | $66,422 | $65,027+2.1% | $90,970-27.0% | $79,852-16.8% |
| Participation rate | 71.9% | 61.6%+10.3pp | 69.0%+2.9pp | 69.6%+2.2pp |
| Annual return | 18.80% | 30.45%-11.7pp | 134.58%-115.8pp | 31.72%-12.9pp |
| Employer contribution / active EE | $400 | $1,247-68.0% | $2,122-81.2% | $2,471-83.8% |
| Participant deferral / active EE | $2,466 | $2,512-1.8% | $3,373-26.9% | $3,740-34.1% |
| Admin fee / account holder | $4,971 | $4,535+9.6% | $5,960-16.6% | $5,306-6.3% |