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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 | $131,582 | $78,013+68.7% | $178,449-26.3% | $80,911+62.6% |
| Participation rate | 72.0% | 65.7%+6.3pp | 77.1%-5.1pp | 67.6%+4.4pp |
| Annual return | 12.66% | 18.07%-5.4pp | 27.09%-14.4pp | 35.63%-23.0pp |
| Employer contribution / active EE | $2,933 | $2,287+28.3% | $3,951-25.8% | $2,756+6.4% |
| Participant deferral / active EE | $7,813 | $4,408+77.3% | $6,277+24.5% | $4,297+81.8% |
| Admin fee / account holder | $27,294 | $7,166+280.9% | $10,362+163.4% | $6,935+293.6% |