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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 | $89,206 | $73,787+20.9% | $98,716-9.6% | $82,448+8.2% |
| Participation rate | 87.7% | 61.4%+26.3pp | 69.3%+18.4pp | 68.1%+19.6pp |
| Annual return | 13.23% | 18.57%-5.3pp | 31.81%-18.6pp | 41.64%-28.4pp |
| Employer contribution / active EE | $1,625 | $1,511+7.5% | $2,279-28.7% | $2,551-36.3% |
| Participant deferral / active EE | $3,624 | $3,081+17.6% | $4,048-10.5% | $4,139-12.4% |
| Admin fee / account holder | $17,350 | $6,500+166.9% | $8,703+99.4% | $7,234+139.8% |