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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 | $41,495 | $110,137-62.3% | $161,149-74.3% | $82,637-49.8% |
| Participation rate | 75.0% | 72.4%+2.6pp | 78.8%-3.8pp | 68.1%+6.9pp |
| Annual return | 17.41% | 20.69%-3.3pp | 21.16%-3.8pp | 53.51%-36.1pp |
| Employer contribution / active EE | $1,693 | $2,856-40.7% | $4,360-61.2% | $2,552-33.7% |
| Participant deferral / active EE | $4,520 | $4,575-1.2% | $6,153-26.5% | $4,126+9.6% |
| Admin fee / account holder | $2,800 | $9,467-70.4% | $15,194-81.6% | $7,339-61.8% |