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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 | $47,702 | $91,167-47.7% | $178,498-73.3% | $79,858-40.3% |
| Participation rate | 73.7% | 69.2%+4.5pp | 81.9%-8.2pp | 69.6%+4.0pp |
| Annual return | 10.14% | 24.19%-14.0pp | 151.09%-141.0pp | 31.72%-21.6pp |
| Employer contribution / active EE | $1,233 | $3,255-62.1% | $5,011-75.4% | $2,471-50.1% |
| Participant deferral / active EE | $3,654 | $3,236+12.9% | $5,202-29.8% | $3,740-2.3% |
| Admin fee / account holder | $6,398 | $6,747-5.2% | $13,985-54.3% | $5,306+20.6% |