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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 | $78,597 | $95,453-17.7% | $112,040-29.8% | $82,448-4.7% |
| Participation rate | 96.8% | 72.8%+24.0pp | 76.5%+20.3pp | 68.1%+28.7pp |
| Annual return | 14.64% | 23.92%-9.3pp | 24.52%-9.9pp | 41.64%-27.0pp |
| Employer contribution / active EE | $2,081 | $2,318-10.2% | $2,954-29.5% | $2,551-18.4% |
| Participant deferral / active EE | $4,722 | $4,224+11.8% | $5,098-7.4% | $4,139+14.1% |
| Admin fee / account holder | $2,464 | $9,013-72.7% | $12,098-79.6% | $7,234-65.9% |