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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 | $49,494 | $64,348-23.1% | $90,162-45.1% | $70,131-29.4% |
| Participation rate | 96.3% | 70.4%+25.9pp | 76.9%+19.4pp | 69.5%+26.8pp |
| Annual return | 16.83% | 28.13%-11.3pp | 34.88%-18.1pp | 73.14%-56.3pp |
| Employer contribution / active EE | $851 | $2,046-58.4% | $3,318-74.3% | $2,342-63.7% |
| Participant deferral / active EE | $2,026 | $4,389-53.8% | $5,287-61.7% | $3,332-39.2% |
| Admin fee / account holder | $6,506 | $3,944+65.0% | $5,943+9.5% | $4,645+40.1% |