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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 | $44,950 | $53,774-16.4% | $134,162-66.5% | $79,852-43.7% |
| Participation rate | 73.6% | 58.8%+14.8pp | 72.2%+1.4pp | 69.6%+3.9pp |
| Annual return | 13.77% | 19.01%-5.2pp | 36.35%-22.6pp | 31.72%-17.9pp |
| Employer contribution / active EE | $1,326 | $1,322+0.3% | $3,705-64.2% | $2,471-46.3% |
| Participant deferral / active EE | $3,950 | $2,420+63.2% | $3,500+12.9% | $3,740+5.6% |
| Admin fee / account holder | $8,106 | $3,985+103.4% | $6,685+21.2% | $5,306+52.8% |