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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 | $36,582 | $88,672-58.7% | $105,223-65.2% | $82,448-55.6% |
| Participation rate | 96.7% | 67.9%+28.7pp | 75.0%+21.6pp | 68.1%+28.6pp |
| Annual return | 16.42% | 30.86%-14.4pp | 180.65%-164.2pp | 41.64%-25.2pp |
| Employer contribution / active EE | $2,240 | $3,048-26.5% | $3,689-39.3% | $2,551-12.2% |
| Participant deferral / active EE | $4,364 | $4,036+8.1% | $5,072-14.0% | $4,139+5.4% |
| Admin fee / account holder | $1,730 | $7,146-75.8% | $8,859-80.5% | $7,234-76.1% |