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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 | $47,956 | $77,920-38.5% | $149,723-68.0% | $75,177-36.2% |
| Participation rate | 94.3% | 65.6%+28.7pp | 78.8%+15.5pp | 67.2%+27.1pp |
| Annual return | 28.40% | 31.72%-3.3pp | 134.50%-106.1pp | 160.75%-132.4pp |
| Employer contribution / active EE | $2,776 | $3,138-11.5% | $4,821-42.4% | $2,671+3.9% |
| Participant deferral / active EE | $7,977 | $3,411+133.8% | $5,682+40.4% | $4,126+93.3% |
| Admin fee / account holder | $570 | $5,951-90.4% | $13,215-95.7% | $5,651-89.9% |