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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 | $67,748 | $72,273-6.3% | $101,275-33.1% | $79,856-15.2% |
| Participation rate | 87.5% | 68.5%+19.0pp | 75.8%+11.7pp | 69.6%+17.9pp |
| Annual return | 12.90% | 22.30%-9.4pp | 46.48%-33.6pp | 31.71%-18.8pp |
| Employer contribution / active EE | $1,894 | $2,691-29.6% | $3,660-48.3% | $2,471-23.4% |
| Participant deferral / active EE | $4,159 | $3,282+26.7% | $4,371-4.8% | $3,741+11.2% |
| Admin fee / account holder | $4,200 | $4,401-4.6% | $5,948-29.4% | $5,306-20.9% |