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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 | $67,752 | $97,550-30.5% | $120,344-43.7% | $87,485-22.6% |
| Participation rate | 94.6% | 72.8%+21.8pp | 76.7%+17.9pp | 68.9%+25.7pp |
| Annual return | 15.13% | 18.41%-3.3pp | 20.30%-5.2pp | 26.06%-10.9pp |
| Employer contribution / active EE | $3,044 | $2,291+32.9% | $3,020+0.8% | $2,596+17.3% |
| Participant deferral / active EE | $7,511 | $4,230+77.6% | $5,135+46.3% | $4,274+75.7% |
| Admin fee / account holder | $1,293 | $9,543-86.5% | $12,742-89.9% | $7,775-83.4% |