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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 | $79,346 | $69,977+13.4% | $108,582-26.9% | $62,881+26.2% |
| Participation rate | 77.4% | 72.9%+4.5pp | 79.6%-2.2pp | 69.3%+8.1pp |
| Annual return | 7.40% | 10.73%-3.3pp | -51.70%+59.1pp | 20.14%-12.7pp |
| Employer contribution / active EE | $1,488 | $2,135-30.3% | $3,758-60.4% | $2,281-34.8% |
| Participant deferral / active EE | $4,924 | $3,165+55.6% | $4,311+14.2% | $3,203+53.7% |
| Admin fee / account holder | $2,274 | $5,076-55.2% | $7,645-70.3% | $4,296-47.1% |