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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 | $48,364 | $73,955-34.6% | $96,520-49.9% | $75,181-35.7% |
| Participation rate | 98.7% | 66.4%+32.3pp | 74.3%+24.4pp | 67.2%+31.5pp |
| Annual return | 19.95% | 26.72%-6.8pp | 35.72%-15.8pp | 160.69%-140.7pp |
| Employer contribution / active EE | $2,787 | $2,930-4.9% | $3,739-25.4% | $2,671+4.4% |
| Participant deferral / active EE | $7,647 | $3,659+109.0% | $4,879+56.7% | $4,126+85.3% |
| Admin fee / account holder | $1,159 | $5,217-77.8% | $6,733-82.8% | $5,650-79.5% |