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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 | $26,279 | $72,269-63.6% | $101,271-74.1% | $79,852-67.1% |
| Participation rate | 92.5% | 68.5%+24.0pp | 75.8%+16.7pp | 69.6%+22.8pp |
| Annual return | 19.66% | 22.29%-2.6pp | 46.48%-26.8pp | 31.72%-12.1pp |
| Employer contribution / active EE | $737 | $2,692-72.6% | $3,660-79.9% | $2,471-70.2% |
| Participant deferral / active EE | $4,437 | $3,282+35.2% | $4,371+1.5% | $3,740+18.6% |
| Admin fee / account holder | $1,238 | $4,401-71.9% | $5,948-79.2% | $5,306-76.7% |