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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 | $89,753 | $115,917-22.6% | $100,535-10.7% | $158,982-43.5% |
| Participation rate | 84.6% | 81.6%+3.0pp | 79.4%+5.2pp | 82.0%+2.6pp |
| Annual return | 14.28% | 34.80%-20.5pp | 30.90%-16.6pp | 302.99%-288.7pp |
| Employer contribution / active EE | $2,372 | $4,105-42.2% | $3,419-30.6% | $4,763-50.2% |
| Participant deferral / active EE | $5,498 | $6,677-17.6% | $6,271-12.3% | $5,983-8.1% |
| Admin fee / account holder | $364 | $11,002-96.7% | $8,085-95.5% | $11,252-96.8% |