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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 | $45,477 | $56,134-19.0% | $96,171-52.7% | $85,847-47.0% |
| Participation rate | 71.3% | 56.7%+14.5pp | 68.4%+2.8pp | 69.3%+1.9pp |
| Annual return | 13.72% | 42.30%-28.6pp | 192.04%-178.3pp | 318.61%-304.9pp |
| Employer contribution / active EE | $1,839 | $1,620+13.5% | $2,799-34.3% | $2,565-28.3% |
| Participant deferral / active EE | $3,764 | $2,858+31.7% | $4,350-13.5% | $3,952-4.8% |
| Admin fee / account holder | $4,189 | $3,769+11.2% | $5,538-24.4% | $6,261-33.1% |