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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 | $54,346 | $73,787-26.3% | $98,716-44.9% | $82,448-34.1% |
| Participation rate | 91.1% | 61.4%+29.7pp | 69.3%+21.8pp | 68.1%+23.0pp |
| Annual return | 17.15% | 18.57%-1.4pp | 31.81%-14.7pp | 41.64%-24.5pp |
| Employer contribution / active EE | $3,588 | $1,511+137.4% | $2,279+57.5% | $2,551+40.6% |
| Participant deferral / active EE | $7,280 | $3,081+136.3% | $4,048+79.9% | $4,139+75.9% |
| Admin fee / account holder | $13,316 | $6,500+104.9% | $8,703+53.0% | $7,234+84.1% |