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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 | $137,013 | $162,812-15.8% | $133,971+2.3% | $158,966-13.8% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 17.65% | 41.94%-24.3pp | 45.09%-27.4pp | 302.95%-285.3pp |
| Employer contribution / active EE | $4,115 | $4,976-17.3% | $3,919+5.0% | $4,762-13.6% |
| Participant deferral / active EE | $11,881 | $5,910+101.0% | $5,047+135.4% | $5,983+98.6% |
| Admin fee / account holder | $13,729 | $11,741+16.9% | $8,929+53.8% | $11,250+22.0% |