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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 | $92,065 | $75,541+21.9% | $152,093-39.5% | $82,637+11.4% |
| Participation rate | 98.8% | 66.5%+32.3pp | 77.8%+21.0pp | 68.1%+30.7pp |
| Annual return | 14.75% | 32.56%-17.8pp | 66.36%-51.6pp | 53.51%-38.8pp |
| Employer contribution / active EE | $2,523 | $2,622-3.8% | $4,175-39.6% | $2,552-1.1% |
| Participant deferral / active EE | $4,610 | $3,206+43.8% | $5,451-15.4% | $4,126+11.7% |
| Admin fee / account holder | $2,408 | $6,405-62.4% | $14,497-83.4% | $7,339-67.2% |