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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 | $42,556 | $81,487-47.8% | $102,412-58.4% | $80,935-47.4% |
| Participation rate | 76.6% | 66.8%+9.8pp | 74.5%+2.1pp | 67.7%+8.9pp |
| Annual return | 12.63% | 25.60%-13.0pp | 24.94%-12.3pp | 35.66%-23.0pp |
| Employer contribution / active EE | $2,736 | $3,103-11.8% | $3,870-29.3% | $2,757-0.8% |
| Participant deferral / active EE | $5,004 | $3,871+29.3% | $5,060-1.1% | $4,299+16.4% |
| Admin fee / account holder | $4,329 | $6,717-35.6% | $8,388-48.4% | $6,924-37.5% |