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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 | $80,109 | $88,707-9.7% | $74,184+8.0% | $273,972-70.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 3.46% | 11.94%-8.5pp | 17.74%-14.3pp | 41.46%-38.0pp |
| Employer contribution / active EE | $4,031 | $3,159+27.6% | $2,370+70.1% | $4,869-17.2% |
| Participant deferral / active EE | $6,583 | $4,212+56.3% | $3,550+85.5% | $5,287+24.5% |
| Admin fee / account holder | $2,426 | $8,717-72.2% | $5,586-56.6% | $10,133-76.1% |