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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 | $36,791 | $110,137-66.6% | $161,149-77.2% | $82,637-55.5% |
| Participation rate | 90.0% | 72.4%+17.6pp | 78.8%+11.2pp | 68.1%+21.9pp |
| Annual return | 19.80% | 20.69%-0.9pp | 21.16%-1.4pp | 53.51%-33.7pp |
| Employer contribution / active EE | $1,372 | $2,856-51.9% | $4,360-68.5% | $2,552-46.2% |
| Participant deferral / active EE | $4,578 | $4,575+0.1% | $6,153-25.6% | $4,126+10.9% |
| Admin fee / account holder | $1,932 | $9,467-79.6% | $15,194-87.3% | $7,339-73.7% |