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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 | $94,332 | $89,259+5.7% | $107,187-12.0% | $82,637+14.2% |
| Participation rate | 96.3% | 67.9%+28.4pp | 75.0%+21.3pp | 68.1%+28.2pp |
| Annual return | 13.21% | 21.02%-7.8pp | 204.55%-191.3pp | 53.51%-40.3pp |
| Employer contribution / active EE | $2,756 | $3,080-10.5% | $3,782-27.1% | $2,552+8.0% |
| Participant deferral / active EE | $5,242 | $4,037+29.8% | $5,096+2.9% | $4,126+27.0% |
| Admin fee / account holder | $4,466 | $7,381-39.5% | $9,162-51.3% | $7,339-39.1% |