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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 | $101,234 | $106,524-5.0% | $152,301-33.5% | $87,485+15.7% |
| Participation rate | 80.8% | 75.8%+5.0pp | 82.4%-1.7pp | 68.9%+11.8pp |
| Annual return | 15.78% | 26.89%-11.1pp | 80.50%-64.7pp | 26.06%-10.3pp |
| Employer contribution / active EE | $3,160 | $3,371-6.3% | $4,624-31.7% | $2,596+21.7% |
| Participant deferral / active EE | $5,636 | $6,525-13.6% | $8,004-29.6% | $4,274+31.9% |
| Admin fee / account holder | $4,565 | $8,287-44.9% | $14,398-68.3% | $7,775-41.3% |