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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 | $63,531 | $94,439-32.7% | $73,658-13.7% | $154,746-58.9% |
| Participation rate | 100.0% | 64.7%+35.3pp | 57.0%+43.0pp | 80.7%+19.3pp |
| Annual return | 16.81% | 28.25%-11.4pp | 29.72%-12.9pp | 172.34%-155.5pp |
| Employer contribution / active EE | $3,538 | $1,257+181.4% | $1,032+242.7% | $4,379-19.2% |
| Participant deferral / active EE | $10,086 | $2,527+299.1% | $2,062+389.2% | $6,730+49.9% |
| Admin fee / account holder | $2,791 | $3,843-27.4% | $3,357-16.9% | $14,365-80.6% |