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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 | $65,205 | $72,492-10.1% | $87,104-25.1% | $72,975-10.6% |
| Participation rate | 81.3% | 72.8%+8.4pp | 76.9%+4.4pp | 69.5%+11.8pp |
| Annual return | 24.13% | 24.46%-0.3pp | 28.19%-4.1pp | 81.01%-56.9pp |
| Employer contribution / active EE | $2,156 | $1,894+13.9% | $2,521-14.5% | $2,440-11.6% |
| Participant deferral / active EE | $3,691 | $3,270+12.9% | $4,048-8.8% | $3,608+2.3% |
| Admin fee / account holder | $2,855 | $5,055-43.5% | $7,491-61.9% | $5,124-44.3% |