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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 | $62,428 | $75,541-17.4% | $152,093-59.0% | $82,637-24.5% |
| Participation rate | 96.4% | 66.5%+29.9pp | 77.8%+18.7pp | 68.1%+28.4pp |
| Annual return | 18.01% | 32.56%-14.5pp | 66.36%-48.3pp | 53.51%-35.5pp |
| Employer contribution / active EE | $2,324 | $2,622-11.4% | $4,175-44.3% | $2,552-8.9% |
| Participant deferral / active EE | $4,652 | $3,206+45.1% | $5,451-14.7% | $4,126+12.7% |
| Admin fee / account holder | $4,711 | $6,405-26.4% | $14,497-67.5% | $7,339-35.8% |