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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 | $97,541 | $86,294+13.0% | $111,303-12.4% | $85,856+13.6% |
| Participation rate | 88.2% | 73.3%+14.9pp | 77.3%+10.9pp | 69.3%+18.9pp |
| Annual return | 13.00% | 19.99%-7.0pp | 54.66%-41.7pp | 318.58%-305.6pp |
| Employer contribution / active EE | $2,095 | $2,043+2.5% | $2,731-23.3% | $2,565-18.3% |
| Participant deferral / active EE | $3,292 | $3,641-9.6% | $4,487-26.6% | $3,952-16.7% |
| Admin fee / account holder | $2,298 | $8,189-71.9% | $7,966-71.2% | $6,261-63.3% |