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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 | $61,757 | $70,418-12.3% | $96,570-36.0% | $85,847-28.1% |
| Participation rate | 73.1% | 61.8%+11.3pp | 69.8%+3.3pp | 69.3%+3.8pp |
| Annual return | 12.97% | 18.59%-5.6pp | 37.79%-24.8pp | 318.61%-305.6pp |
| Employer contribution / active EE | $1,744 | $1,413+23.4% | $2,357-26.0% | $2,565-32.0% |
| Participant deferral / active EE | $4,086 | $2,894+41.2% | $3,849+6.2% | $3,952+3.4% |
| Admin fee / account holder | $899 | $4,995-82.0% | $6,182-85.5% | $6,261-85.6% |