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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 | $85,204 | $146,267-41.7% | $197,124-56.8% | $82,448+3.3% |
| Participation rate | 92.0% | 84.0%+8.0pp | 86.7%+5.3pp | 68.1%+23.9pp |
| Annual return | 14.30% | 29.61%-15.3pp | 44.34%-30.0pp | 41.64%-27.3pp |
| Employer contribution / active EE | $3,208 | $4,723-32.1% | $6,227-48.5% | $2,551+25.7% |
| Participant deferral / active EE | $5,622 | $7,035-20.1% | $9,135-38.5% | $4,139+35.8% |
| Admin fee / account holder | $1,304 | $14,422-91.0% | $16,298-92.0% | $7,234-82.0% |