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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 | $69,806 | $77,814-10.3% | $158,223-55.9% | $86,983-19.7% |
| Participation rate | 100.0% | 68.4%+31.6pp | 79.2%+20.8pp | 69.5%+30.5pp |
| Annual return | 22.01% | 30.54%-8.5pp | 52.09%-30.1pp | 25.83%-3.8pp |
| Employer contribution / active EE | $2,790 | $2,592+7.6% | $4,109-32.1% | $2,584+8.0% |
| Participant deferral / active EE | $7,410 | $3,270+126.6% | $5,467+35.5% | $4,194+76.7% |
| Admin fee / account holder | $1,911 | $5,879-67.5% | $16,047-88.1% | $7,856-75.7% |