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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 | $87,824 | $81,487+7.8% | $102,412-14.2% | $80,935+8.5% |
| Participation rate | 79.2% | 66.8%+12.3pp | 74.5%+4.7pp | 67.7%+11.5pp |
| Annual return | 15.90% | 25.60%-9.7pp | 24.94%-9.0pp | 35.66%-19.8pp |
| Employer contribution / active EE | $2,148 | $3,103-30.8% | $3,870-44.5% | $2,757-22.1% |
| Participant deferral / active EE | $3,750 | $3,871-3.1% | $5,060-25.9% | $4,299-12.8% |
| Admin fee / account holder | $1,931 | $6,717-71.2% | $8,388-77.0% | $6,924-72.1% |