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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 | $145,431-41.4% | $211,142-59.6% | $87,485-2.6% |
| Participation rate | 92.0% | 84.7%+7.3pp | 87.3%+4.7pp | 68.9%+23.1pp |
| Annual return | 14.30% | 27.21%-12.9pp | 46.84%-32.5pp | 26.06%-11.8pp |
| Employer contribution / active EE | $3,208 | $4,662-31.2% | $6,442-50.2% | $2,596+23.6% |
| Participant deferral / active EE | $5,622 | $6,859-18.0% | $9,284-39.4% | $4,274+31.6% |
| Admin fee / account holder | $1,304 | $17,052-92.4% | $19,076-93.2% | $7,775-83.2% |