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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 | $80,281 | $86,294-7.0% | $111,303-27.9% | $85,856-6.5% |
| Participation rate | 76.3% | 73.3%+2.9pp | 77.3%-1.0pp | 69.3%+7.0pp |
| Annual return | 17.54% | 19.99%-2.4pp | 54.66%-37.1pp | 318.58%-301.0pp |
| Employer contribution / active EE | $1,294 | $2,043-36.7% | $2,731-52.6% | $2,565-49.5% |
| Participant deferral / active EE | $12,090 | $3,641+232.1% | $4,487+169.4% | $3,952+205.9% |
| Admin fee / account holder | $11,996 | $8,189+46.5% | $7,966+50.6% | $6,261+91.6% |