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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 | $63,257 | $75,541-16.3% | $152,093-58.4% | $82,637-23.5% |
| Participation rate | 97.6% | 66.5%+31.1pp | 77.8%+19.9pp | 68.1%+29.6pp |
| Annual return | 14.62% | 32.56%-17.9pp | 66.36%-51.7pp | 53.51%-38.9pp |
| Employer contribution / active EE | $4,837 | $2,622+84.4% | $4,175+15.9% | $2,552+89.5% |
| Participant deferral / active EE | $3,118 | $3,206-2.7% | $5,451-42.8% | $4,126-24.4% |
| Admin fee / account holder | $1,234 | $6,405-80.7% | $14,497-91.5% | $7,339-83.2% |