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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 | $67,730 | $91,086-25.6% | $203,872-66.8% | $86,983-22.1% |
| Participation rate | 86.4% | 65.8%+20.5pp | 77.8%+8.6pp | 69.5%+16.8pp |
| Annual return | 13.89% | 22.30%-8.4pp | 85.11%-71.2pp | 25.83%-11.9pp |
| Employer contribution / active EE | $1,986 | $2,063-3.8% | $3,757-47.1% | $2,584-23.2% |
| Participant deferral / active EE | $4,607 | $4,019+14.6% | $6,388-27.9% | $4,194+9.8% |
| Admin fee / account holder | $1,945 | $8,987-78.4% | $11,730-83.4% | $7,856-75.2% |