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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 | $71,589 | $74,535-4.0% | $100,712-28.9% | $82,637-13.4% |
| Participation rate | 100.0% | 61.2%+38.8pp | 69.3%+30.7pp | 68.1%+31.9pp |
| Annual return | 12.85% | 18.92%-6.1pp | 33.27%-20.4pp | 53.51%-40.7pp |
| Employer contribution / active EE | $4,650 | $1,503+209.4% | $2,313+101.0% | $2,552+82.2% |
| Participant deferral / active EE | $3,421 | $3,074+11.3% | $4,085-16.3% | $4,126-17.1% |
| Admin fee / account holder | $3,289 | $6,576-50.0% | $9,256-64.5% | $7,339-55.2% |