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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 | $96,510 | $87,166+10.7% | $76,735+25.8% | $137,256-29.7% |
| Participation rate | 75.0% | 74.4%+0.6pp | 69.5%+5.5pp | 80.0%-5.0pp |
| Annual return | 14.89% | 26.50%-11.6pp | 29.77%-14.9pp | 220.34%-205.4pp |
| Employer contribution / active EE | $1,273 | $2,904-56.2% | $2,454-48.1% | $4,156-69.4% |
| Participant deferral / active EE | $4,893 | $4,726+3.5% | $4,088+19.7% | $6,407-23.6% |
| Admin fee / account holder | $1,641 | $8,403-80.5% | $7,189-77.2% | $12,270-86.6% |