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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 | $52,351 | $67,606-22.6% | $82,313-36.4% | $70,124-25.3% |
| Participation rate | 90.9% | 72.8%+18.1pp | 76.9%+14.0pp | 69.5%+21.4pp |
| Annual return | 18.10% | 21.57%-3.5pp | 25.88%-7.8pp | 73.14%-55.0pp |
| Employer contribution / active EE | $1,146 | $1,755-34.7% | $2,428-52.8% | $2,342-51.1% |
| Participant deferral / active EE | $3,370 | $2,987+12.8% | $3,706-9.1% | $3,332+1.2% |
| Admin fee / account holder | $1,447 | $4,512-67.9% | $5,608-74.2% | $4,645-68.8% |