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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 | $163,692 | $81,276+101.4% | $155,574+5.2% | $80,925+102.3% |
| Participation rate | 84.0% | 66.2%+17.8pp | 78.2%+5.8pp | 67.7%+16.3pp |
| Annual return | 16.06% | 33.36%-17.3pp | 64.87%-48.8pp | 35.65%-19.6pp |
| Employer contribution / active EE | $3,276 | $3,103+5.6% | $4,676-29.9% | $2,756+18.9% |
| Participant deferral / active EE | $3,422 | $3,453-0.9% | $5,629-39.2% | $4,299-20.4% |
| Admin fee / account holder | $1,610 | $7,993-79.9% | $15,914-89.9% | $6,940-76.8% |