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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 | $79,829 | $76,407+4.5% | $150,298-46.9% | $82,448-3.2% |
| Participation rate | 86.9% | 66.4%+20.5pp | 77.8%+9.1pp | 68.1%+18.8pp |
| Annual return | 16.71% | 39.99%-23.3pp | 62.79%-46.1pp | 41.64%-24.9pp |
| Employer contribution / active EE | $1,895 | $2,614-27.5% | $4,154-54.4% | $2,551-25.7% |
| Participant deferral / active EE | $2,936 | $3,214-8.7% | $5,453-46.2% | $4,139-29.1% |
| Admin fee / account holder | $1,552 | $6,352-75.6% | $14,116-89.0% | $7,234-78.5% |