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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 | $44,407 | $89,367-50.3% | $141,191-68.5% | $72,975-39.1% |
| Participation rate | 81.8% | 75.1%+6.7pp | 82.5%-0.7pp | 69.5%+12.3pp |
| Annual return | 19.67% | 111.87%-92.2pp | 71.41%-51.7pp | 81.01%-61.3pp |
| Employer contribution / active EE | $1,982 | $3,115-36.4% | $4,736-58.1% | $2,440-18.8% |
| Participant deferral / active EE | $3,936 | $5,419-27.4% | $6,710-41.3% | $3,608+9.1% |
| Admin fee / account holder | $915 | $5,957-84.6% | $10,264-91.1% | $5,124-82.2% |