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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 | $71,701 | $106,524-32.7% | $152,301-52.9% | $87,485-18.0% |
| Participation rate | 78.4% | 75.8%+2.7pp | 82.4%-4.0pp | 68.9%+9.5pp |
| Annual return | 24.12% | 26.89%-2.8pp | 80.50%-56.4pp | 26.06%-1.9pp |
| Employer contribution / active EE | $4,401 | $3,371+30.5% | $4,624-4.8% | $2,596+69.5% |
| Participant deferral / active EE | $8,775 | $6,525+34.5% | $8,004+9.6% | $4,274+105.3% |
| Admin fee / account holder | $8,217 | $8,287-0.8% | $14,398-42.9% | $7,775+5.7% |