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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 | $37,164 | $72,492-48.7% | $87,102-57.3% | $72,983-49.1% |
| Participation rate | 93.0% | 72.8%+20.2pp | 76.9%+16.2pp | 69.5%+23.5pp |
| Annual return | 17.92% | 24.46%-6.5pp | 28.19%-10.3pp | 81.01%-63.1pp |
| Employer contribution / active EE | $1,696 | $1,894-10.4% | $2,521-32.7% | $2,440-30.5% |
| Participant deferral / active EE | $3,957 | $3,270+21.0% | $4,048-2.3% | $3,608+9.7% |
| Admin fee / account holder | $1,143 | $5,055-77.4% | $7,491-84.7% | $5,124-77.7% |