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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 | $59,905 | $97,648-38.7% | $121,663-50.8% | $87,485-31.5% |
| Participation rate | 80.8% | 70.5%+10.3pp | 74.5%+6.3pp | 68.9%+11.8pp |
| Annual return | 13.43% | 18.03%-4.6pp | 147.54%-134.1pp | 26.06%-12.6pp |
| Employer contribution / active EE | $2,397 | $2,300+4.2% | $3,020-20.6% | $2,596-7.7% |
| Participant deferral / active EE | $5,245 | $3,923+33.7% | $4,887+7.3% | $4,274+22.7% |
| Admin fee / account holder | $974 | $11,100-91.2% | $14,289-93.2% | $7,775-87.5% |