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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 | $30,638 | $48,078-36.3% | $78,676-61.1% | $62,881-51.3% |
| Participation rate | 84.6% | 65.2%+19.4pp | 73.6%+11.1pp | 69.3%+15.3pp |
| Annual return | 7.09% | 31.36%-24.3pp | 62.19%-55.1pp | 20.14%-13.1pp |
| Employer contribution / active EE | $1,664 | $2,015-17.4% | $2,850-41.6% | $2,281-27.1% |
| Participant deferral / active EE | $3,288 | $2,587+27.1% | $3,517-6.5% | $3,203+2.7% |
| Admin fee / account holder | $1,998 | $3,206-37.7% | $4,510-55.7% | $4,296-53.5% |