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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 | $162,396 | $62,589+159.5% | $76,768+111.5% | $64,173+153.1% |
| Participation rate | 76.0% | 72.8%+3.2pp | 77.0%-1.0pp | 69.6%+6.4pp |
| Annual return | -1.82% | -1.95%+0.1pp | 2.43%-4.3pp | 7.63%-9.5pp |
| Employer contribution / active EE | $1,477 | $1,832-19.4% | $2,485-40.6% | $2,381-37.9% |
| Participant deferral / active EE | $4,007 | $3,145+27.4% | $3,852+4.0% | $3,470+15.5% |
| Admin fee / account holder | $2,963 | $4,667-36.5% | $6,675-55.6% | $4,887-39.4% |