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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 | $29,761 | $60,349-50.7% | $74,184-59.9% | $62,881-52.7% |
| Participation rate | 97.4% | 72.7%+24.7pp | 76.6%+20.8pp | 69.3%+28.1pp |
| Annual return | 26.73% | 21.38%+5.4pp | 17.74%+9.0pp | 20.14%+6.6pp |
| Employer contribution / active EE | $1,350 | $1,680-19.6% | $2,370-43.0% | $2,281-40.8% |
| Participant deferral / active EE | $3,043 | $2,856+6.5% | $3,550-14.3% | $3,203-5.0% |
| Admin fee / account holder | $1,317 | $4,261-69.1% | $5,586-76.4% | $4,296-69.3% |