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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 | $84,114 | $91,198-7.8% | $178,503-52.9% | $79,856+5.3% |
| Participation rate | 76.9% | 69.2%+7.7pp | 81.9%-5.0pp | 69.6%+7.3pp |
| Annual return | 17.54% | 24.20%-6.7pp | 151.12%-133.6pp | 31.71%-14.2pp |
| Employer contribution / active EE | $2,557 | $3,257-21.5% | $5,011-49.0% | $2,471+3.5% |
| Participant deferral / active EE | $3,641 | $3,237+12.5% | $5,202-30.0% | $3,741-2.7% |
| Admin fee / account holder | $1,919 | $6,748-71.6% | $13,987-86.3% | $5,306-63.8% |