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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 | $44,586 | $94,031-52.6% | $115,768-61.5% | $82,448-45.9% |
| Participation rate | 97.3% | 70.4%+26.8pp | 74.4%+22.9pp | 68.1%+29.2pp |
| Annual return | 19.33% | 20.61%-1.3pp | 100.46%-81.1pp | 41.64%-22.3pp |
| Employer contribution / active EE | $3,877 | $2,323+66.9% | $2,940+31.9% | $2,551+52.0% |
| Participant deferral / active EE | $6,564 | $3,972+65.3% | $4,917+33.5% | $4,139+58.6% |
| Admin fee / account holder | $4,372 | $10,249-57.3% | $12,439-64.9% | $7,234-39.6% |