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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 | $32,747 | $81,446-59.8% | $103,374-68.3% | $80,874-59.5% |
| Participation rate | 88.9% | 66.9%+22.0pp | 74.5%+14.4pp | 67.6%+21.2pp |
| Annual return | 13.59% | 25.57%-12.0pp | 24.89%-11.3pp | 35.62%-22.0pp |
| Employer contribution / active EE | $2,835 | $3,107-8.8% | $3,869-26.7% | $2,756+2.9% |
| Participant deferral / active EE | $5,039 | $3,870+30.2% | $5,058-0.4% | $4,297+17.3% |
| Admin fee / account holder | $4,428 | $6,715-34.1% | $8,394-47.2% | $6,935-36.2% |