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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 | $39,653 | $81,476-51.3% | $102,383-61.3% | $80,925-51.0% |
| Participation rate | 88.2% | 66.8%+21.4pp | 74.5%+13.7pp | 67.7%+20.6pp |
| Annual return | 12.35% | 25.59%-13.2pp | 24.94%-12.6pp | 35.65%-23.3pp |
| Employer contribution / active EE | $3,505 | $3,105+12.9% | $3,870-9.4% | $2,756+27.2% |
| Participant deferral / active EE | $3,897 | $3,871+0.7% | $5,060-23.0% | $4,299-9.3% |
| Admin fee / account holder | $454 | $6,717-93.2% | $8,391-94.6% | $6,940-93.5% |