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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 | $40,408 | $154,228-73.8% | $145,433-72.2% | $137,256-70.6% |
| Participation rate | 95.0% | 83.8%+11.2pp | 82.1%+12.9pp | 80.0%+15.0pp |
| Annual return | 16.13% | 74.59%-58.5pp | 66.58%-50.4pp | 220.34%-204.2pp |
| Employer contribution / active EE | $3,871 | $4,804-19.4% | $4,554-15.0% | $4,156-6.9% |
| Participant deferral / active EE | $7,113 | $8,216-13.4% | $7,897-9.9% | $6,407+11.0% |
| Admin fee / account holder | $5,539 | $14,344-61.4% | $13,129-57.8% | $12,270-54.9% |