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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 | $120,719 | $101,778+18.6% | $164,975-26.8% | $80,925+49.2% |
| Participation rate | 91.7% | 71.8%+19.8pp | 78.6%+13.1pp | 67.7%+24.0pp |
| Annual return | 11.07% | 16.73%-5.7pp | 70.12%-59.1pp | 35.65%-24.6pp |
| Employer contribution / active EE | $2,585 | $2,954-12.5% | $4,343-40.5% | $2,756-6.2% |
| Participant deferral / active EE | $4,629 | $4,477+3.4% | $6,033-23.3% | $4,299+7.7% |
| Admin fee / account holder | $9,047 | $8,221+10.0% | $12,688-28.7% | $6,940+30.4% |