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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 | $97,419 | $108,825-10.5% | $156,181-37.6% | $82,448+18.2% |
| Participation rate | 77.8% | 72.4%+5.4pp | 78.8%-1.1pp | 68.1%+9.7pp |
| Annual return | 16.65% | 20.59%-3.9pp | 64.87%-48.2pp | 41.64%-25.0pp |
| Employer contribution / active EE | $985 | $2,870-65.7% | $4,294-77.1% | $2,551-61.4% |
| Participant deferral / active EE | $3,190 | $4,577-30.3% | $6,132-48.0% | $4,139-22.9% |
| Admin fee / account holder | $1,687 | $9,341-81.9% | $14,586-88.4% | $7,234-76.7% |