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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 | $68,672 | $93,345-26.4% | $119,126-42.4% | $87,485-21.5% |
| Participation rate | 76.4% | 68.7%+7.6pp | 75.8%+0.6pp | 68.9%+7.4pp |
| Annual return | 17.90% | 19.08%-1.2pp | 282.11%-264.2pp | 26.06%-8.2pp |
| Employer contribution / active EE | $3,007 | $3,172-5.2% | $4,034-25.4% | $2,596+15.8% |
| Participant deferral / active EE | $4,466 | $4,099+9.0% | $5,318-16.0% | $4,274+4.5% |
| Admin fee / account holder | $391 | $8,039-95.1% | $10,693-96.3% | $7,775-95.0% |