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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 | $39,957 | $89,259-55.2% | $107,187-62.7% | $82,637-51.6% |
| Participation rate | 93.1% | 67.9%+25.2pp | 75.0%+18.1pp | 68.1%+25.0pp |
| Annual return | 16.83% | 21.02%-4.2pp | 204.55%-187.7pp | 53.51%-36.7pp |
| Employer contribution / active EE | $2,028 | $3,080-34.1% | $3,782-46.4% | $2,552-20.5% |
| Participant deferral / active EE | $4,148 | $4,037+2.7% | $5,096-18.6% | $4,126+0.5% |
| Admin fee / account holder | $419 | $7,381-94.3% | $9,162-95.4% | $7,339-94.3% |