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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 | $108,825-66.2% | $156,181-76.4% | $82,448-55.4% |
| Participation rate | 90.0% | 72.4%+17.6pp | 78.8%+11.2pp | 68.1%+21.9pp |
| Annual return | 19.80% | 20.59%-0.8pp | 64.87%-45.1pp | 41.64%-21.8pp |
| Employer contribution / active EE | $1,372 | $2,870-52.2% | $4,294-68.0% | $2,551-46.2% |
| Participant deferral / active EE | $4,578 | $4,5770% | $6,132-25.4% | $4,139+10.6% |
| Admin fee / account holder | $1,932 | $9,341-79.3% | $14,586-86.8% | $7,234-73.3% |