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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 | $54,210 | $138,386-60.8% | $184,260-70.6% | $80,935-33.0% |
| Participation rate | 96.6% | 83.9%+12.7pp | 86.8%+9.7pp | 67.7%+28.9pp |
| Annual return | 16.08% | 20.02%-3.9pp | 28.84%-12.8pp | 35.66%-19.6pp |
| Employer contribution / active EE | $5,480 | $4,851+13.0% | $6,427-14.7% | $2,757+98.8% |
| Participant deferral / active EE | $7,090 | $7,076+0.2% | $9,133-22.4% | $4,299+64.9% |
| Admin fee / account holder | $710 | $10,489-93.2% | $13,898-94.9% | $6,924-89.7% |