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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 | $51,491 | $165,381-68.9% | $149,730-65.6% | $158,966-67.6% |
| Participation rate | 95.2% | 84.6%+10.7pp | 82.5%+12.8pp | 82.0%+13.3pp |
| Annual return | 20.45% | 348.29%-327.8pp | 276.70%-256.3pp | 302.95%-282.5pp |
| Employer contribution / active EE | $3,746 | $5,104-26.6% | $4,645-19.4% | $4,762-21.3% |
| Participant deferral / active EE | $6,853 | $7,182-4.6% | $6,843+0.2% | $5,983+14.5% |
| Admin fee / account holder | $1,105 | $10,809-89.8% | $9,310-88.1% | $11,250-90.2% |