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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 | $75,399 | $88,672-15.0% | $105,223-28.3% | $82,448-8.5% |
| Participation rate | 71.4% | 67.9%+3.5pp | 75.0%-3.6pp | 68.1%+3.4pp |
| Annual return | 16.44% | 30.86%-14.4pp | 180.65%-164.2pp | 41.64%-25.2pp |
| Employer contribution / active EE | $2,194 | $3,048-28.0% | $3,689-40.5% | $2,551-14.0% |
| Participant deferral / active EE | $4,190 | $4,036+3.8% | $5,072-17.4% | $4,139+1.2% |
| Admin fee / account holder | $993 | $7,146-86.1% | $8,859-88.8% | $7,234-86.3% |