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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 | $76,834-29.3% | $108,359-49.8% | $87,485-37.9% |
| Participation rate | 91.1% | 61.7%+29.4pp | 70.1%+21.0pp | 68.9%+22.2pp |
| Annual return | 17.15% | 19.09%-1.9pp | 36.89%-19.7pp | 26.06%-8.9pp |
| Employer contribution / active EE | $3,588 | $1,556+130.5% | $2,399+49.5% | $2,596+38.2% |
| Participant deferral / active EE | $7,280 | $3,100+134.8% | $4,137+76.0% | $4,274+70.4% |
| Admin fee / account holder | $13,316 | $6,537+103.7% | $9,741+36.7% | $7,775+71.3% |