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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 | $48,706 | $57,073-14.7% | $85,126-42.8% | $80,925-39.8% |
| Participation rate | 73.3% | 56.4%+16.9pp | 67.5%+5.8pp | 67.7%+5.7pp |
| Annual return | 12.64% | 21.69%-9.1pp | 66.63%-54.0pp | 35.65%-23.0pp |
| Employer contribution / active EE | $2,160 | $1,801+20.0% | $2,731-20.9% | $2,756-21.6% |
| Participant deferral / active EE | $4,604 | $3,113+47.9% | $4,523+1.8% | $4,299+7.1% |
| Admin fee / account holder | $14,642 | $4,988+193.6% | $6,160+137.7% | $6,940+111.0% |