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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 | $85,927 | $81,504+5.4% | $102,437-16.1% | $80,959+6.1% |
| Participation rate | 96.2% | 66.9%+29.3pp | 74.5%+21.6pp | 67.7%+28.5pp |
| Annual return | 13.14% | 25.60%-12.5pp | 24.95%-11.8pp | 35.67%-22.5pp |
| Employer contribution / active EE | $2,349 | $3,104-24.3% | $3,871-39.3% | $2,757-14.8% |
| Participant deferral / active EE | $5,971 | $3,871+54.3% | $5,060+18.0% | $4,300+38.9% |
| Admin fee / account holder | $4,402 | $6,719-34.5% | $8,388-47.5% | $6,925-36.4% |