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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 | $84,023 | $98,776-14.9% | $149,745-43.9% | $79,856+5.2% |
| Participation rate | 78.9% | 75.8%+3.2pp | 82.5%-3.5pp | 69.6%+9.3pp |
| Annual return | 18.51% | 27.38%-8.9pp | 276.72%-258.2pp | 31.71%-13.2pp |
| Employer contribution / active EE | $1,798 | $3,217-44.1% | $4,646-61.3% | $2,471-27.2% |
| Participant deferral / active EE | $5,984 | $5,681+5.3% | $6,843-12.6% | $3,741+60.0% |
| Admin fee / account holder | $8,957 | $6,053+48.0% | $9,312-3.8% | $5,306+68.8% |