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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 | $42,902 | $72,273-40.6% | $101,275-57.6% | $79,856-46.3% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 11.90% | 22.30%-10.4pp | 46.48%-34.6pp | 31.71%-19.8pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,962 | $3,282+20.7% | $4,371-9.3% | $3,741+5.9% |
| Admin fee / account holder | $3,844 | $4,401-12.7% | $5,948-35.4% | $5,306-27.6% |