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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 | $56,630 | $95,406-40.6% | $185,849-69.5% | $85,847-34.0% |
| Participation rate | 75.5% | 68.8%+6.7pp | 81.7%-6.2pp | 69.3%+6.2pp |
| Annual return | 13.63% | 23.59%-10.0pp | 122.10%-108.5pp | 318.61%-305.0pp |
| Employer contribution / active EE | $1,601 | $3,314-51.7% | $5,169-69.0% | $2,565-37.6% |
| Participant deferral / active EE | $3,032 | $3,424-11.4% | $5,569-45.6% | $3,952-23.3% |
| Admin fee / account holder | $11,487 | $7,214+59.2% | $16,244-29.3% | $6,261+83.5% |