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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 | $82,805 | $76,407+8.4% | $150,298-44.9% | $82,448+0.4% |
| Participation rate | 92.2% | 66.4%+25.8pp | 77.8%+14.4pp | 68.1%+24.1pp |
| Annual return | 17.47% | 39.99%-22.5pp | 62.79%-45.3pp | 41.64%-24.2pp |
| Employer contribution / active EE | $3,766 | $2,614+44.1% | $4,154-9.3% | $2,551+47.6% |
| Participant deferral / active EE | $4,049 | $3,214+26.0% | $5,453-25.7% | $4,139-2.2% |
| Admin fee / account holder | $1,828 | $6,352-71.2% | $14,116-87.0% | $7,234-74.7% |