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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 | $46,213 | $106,524-56.6% | $152,301-69.7% | $87,485-47.2% |
| Participation rate | 72.0% | 75.8%-3.8pp | 82.4%-10.4pp | 68.9%+3.1pp |
| Annual return | 20.48% | 26.89%-6.4pp | 80.50%-60.0pp | 26.06%-5.6pp |
| Employer contribution / active EE | $1,833 | $3,371-45.6% | $4,624-60.4% | $2,596-29.4% |
| Participant deferral / active EE | $5,855 | $6,525-10.3% | $8,004-26.8% | $4,274+37.0% |
| Admin fee / account holder | $1,555 | $8,287-81.2% | $14,398-89.2% | $7,775-80.0% |