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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 | $97,277 | $76,407+27.3% | $150,298-35.3% | $82,448+18.0% |
| Participation rate | 73.3% | 66.4%+6.9pp | 77.8%-4.4pp | 68.1%+5.3pp |
| Annual return | 19.15% | 39.99%-20.8pp | 62.79%-43.6pp | 41.64%-22.5pp |
| Employer contribution / active EE | $2,719 | $2,614+4.0% | $4,154-34.5% | $2,551+6.6% |
| Participant deferral / active EE | $4,136 | $3,214+28.7% | $5,453-24.2% | $4,139-0.1% |
| Admin fee / account holder | $2,796 | $6,352-56.0% | $14,116-80.2% | $7,234-61.3% |