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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 | $89,480 | $106,524-16.0% | $152,301-41.2% | $87,485+2.3% |
| Participation rate | 84.3% | 75.8%+8.5pp | 82.4%+1.8pp | 68.9%+15.3pp |
| Annual return | 21.88% | 26.89%-5.0pp | 80.50%-58.6pp | 26.06%-4.2pp |
| Employer contribution / active EE | $5,622 | $3,371+66.7% | $4,624+21.6% | $2,596+116.5% |
| Participant deferral / active EE | $12,573 | $6,525+92.7% | $8,004+57.1% | $4,274+194.2% |
| Admin fee / account holder | $5,080 | $8,287-38.7% | $14,398-64.7% | $7,775-34.7% |