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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 | $39,013 | $77,814-49.9% | $158,223-75.3% | $86,983-55.1% |
| Participation rate | 93.2% | 68.4%+24.8pp | 79.2%+14.0pp | 69.5%+23.6pp |
| Annual return | 15.63% | 30.54%-14.9pp | 52.09%-36.5pp | 25.83%-10.2pp |
| Employer contribution / active EE | $3,098 | $2,592+19.5% | $4,109-24.6% | $2,584+19.9% |
| Participant deferral / active EE | $4,768 | $3,270+45.8% | $5,467-12.8% | $4,194+13.7% |
| Admin fee / account holder | $8,884 | $5,879+51.1% | $16,047-44.6% | $7,856+13.1% |