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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 | $40,777 | $101,798-59.9% | $165,071-75.3% | $80,935-49.6% |
| Participation rate | 82.1% | 71.8%+10.3pp | 78.6%+3.5pp | 67.7%+14.5pp |
| Annual return | 13.76% | 16.73%-3.0pp | 70.17%-56.4pp | 35.66%-21.9pp |
| Employer contribution / active EE | $3,588 | $2,954+21.5% | $4,347-17.5% | $2,757+30.2% |
| Participant deferral / active EE | $5,885 | $4,476+31.5% | $6,035-2.5% | $4,299+36.9% |
| Admin fee / account holder | $4,798 | $8,221-41.6% | $12,695-62.2% | $6,924-30.7% |