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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 | $61,590 | $88,672-30.5% | $105,223-41.5% | $82,448-25.3% |
| Participation rate | 90.7% | 67.9%+22.7pp | 75.0%+15.6pp | 68.1%+22.6pp |
| Annual return | 18.32% | 30.86%-12.5pp | 180.65%-162.3pp | 41.64%-23.3pp |
| Employer contribution / active EE | $1,941 | $3,048-36.3% | $3,689-47.4% | $2,551-23.9% |
| Participant deferral / active EE | $4,478 | $4,036+11.0% | $5,072-11.7% | $4,139+8.2% |
| Admin fee / account holder | $1,148 | $7,146-83.9% | $8,859-87.0% | $7,234-84.1% |