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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 | $72,433 | $105,623-31.4% | $87,502-17.2% | $273,972-73.6% |
| Participation rate | 87.0% | 78.2%+8.8pp | 73.8%+13.1pp | 83.0%+3.9pp |
| Annual return | 8.14% | 12.26%-4.1pp | 12.21%-4.1pp | 41.46%-33.3pp |
| Employer contribution / active EE | $3,918 | $3,141+24.8% | $2,550+53.7% | $4,869-19.5% |
| Participant deferral / active EE | $7,732 | $3,601+114.7% | $3,149+145.6% | $5,287+46.2% |
| Admin fee / account holder | $2,580 | $4,781-46.0% | $4,221-38.9% | $10,133-74.5% |