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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 | $116,049 | $114,712+1.2% | $173,730-33.2% | $87,485+32.7% |
| Participation rate | 86.2% | 73.0%+13.2pp | 79.6%+6.6pp | 68.9%+17.3pp |
| Annual return | 18.11% | 20.18%-2.1pp | 19.96%-1.8pp | 26.06%-7.9pp |
| Employer contribution / active EE | $2,073 | $2,904-28.6% | $4,577-54.7% | $2,596-20.1% |
| Participant deferral / active EE | $3,741 | $4,642-19.4% | $6,326-40.9% | $4,274-12.5% |
| Admin fee / account holder | $348 | $10,210-96.6% | $17,523-98.0% | $7,775-95.5% |