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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 | $75,561 | $86,938-13.1% | $102,423-26.2% | $80,925-6.6% |
| Participation rate | 75.0% | 72.4%+2.6pp | 76.5%-1.5pp | 67.7%+7.3pp |
| Annual return | 16.95% | 18.89%-1.9pp | 29.42%-12.5pp | 35.65%-18.7pp |
| Employer contribution / active EE | $7,080 | $2,369+198.8% | $3,023+134.2% | $2,756+156.9% |
| Participant deferral / active EE | $2,454 | $4,120-40.5% | $5,054-51.5% | $4,299-42.9% |
| Admin fee / account holder | $603 | $8,053-92.5% | $9,455-93.6% | $6,940-91.3% |