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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 | $94,162 | $83,485+12.8% | $125,192-24.8% | $72,975+29.0% |
| Participation rate | 96.4% | 73.3%+23.1pp | 79.8%+16.6pp | 69.5%+26.9pp |
| Annual return | 21.38% | 25.77%-4.4pp | 43.79%-22.4pp | 81.01%-59.6pp |
| Employer contribution / active EE | $8,199 | $2,346+249.5% | $3,866+112.1% | $2,440+236.0% |
| Participant deferral / active EE | $2,490 | $3,586-30.6% | $4,937-49.6% | $3,608-31.0% |
| Admin fee / account holder | $4,390 | $5,518-20.4% | $9,704-54.8% | $5,124-14.3% |