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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 | $51,962 | $55,902-7.0% | $76,030-31.7% | $80,959-35.8% |
| Participation rate | 74.1% | 62.1%+12.0pp | 69.1%+5.0pp | 67.7%+6.4pp |
| Annual return | 13.55% | 20.59%-7.0pp | 361.54%-348.0pp | 35.67%-22.1pp |
| Employer contribution / active EE | $2,478 | $1,867+32.7% | $2,688-7.8% | $2,757-10.1% |
| Participant deferral / active EE | $4,191 | $3,051+37.4% | $4,257-1.6% | $4,300-2.5% |
| Admin fee / account holder | $5,074 | $5,239-3.2% | $6,421-21.0% | $6,925-26.7% |