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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 | $63,232 | $96,491-34.5% | $75,894-16.7% | $152,885-58.6% |
| Participation rate | 81.8% | 76.2%+5.6pp | 69.3%+12.5pp | 82.5%-0.6pp |
| Annual return | 16.53% | 33.98%-17.5pp | 30.76%-14.2pp | 345.39%-328.9pp |
| Employer contribution / active EE | $1,971 | $3,310-40.4% | $2,501-21.2% | $4,763-58.6% |
| Participant deferral / active EE | $3,514 | $4,553-22.8% | $3,603-2.5% | $5,851-39.9% |
| Admin fee / account holder | $958 | $8,079-88.1% | $5,420-82.3% | $11,598-91.7% |