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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 | $174,526 | $201,372-13.3% | $184,260-5.3% | $145,884+19.6% |
| Participation rate | 75.0% | 87.5%-12.5pp | 86.8%-11.8pp | 80.3%-5.3pp |
| Annual return | 15.77% | 29.04%-13.3pp | 28.84%-13.1pp | 551.85%-536.1pp |
| Employer contribution / active EE | $8,678 | $7,024+23.6% | $6,427+35.0% | $4,662+86.1% |
| Participant deferral / active EE | $12,908 | $9,808+31.6% | $9,133+41.3% | $6,690+92.9% |
| Admin fee / account holder | $814 | $16,362-95.0% | $13,898-94.1% | $13,392-93.9% |