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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 | $53,814 | $45,050+19.5% | $63,018-14.6% | $70,126-23.3% |
| Participation rate | 79.1% | 69.5%+9.6pp | 74.8%+4.3pp | 69.5%+9.5pp |
| Annual return | 22.88% | 18.76%+4.1pp | 87.62%-64.7pp | 73.15%-50.3pp |
| Employer contribution / active EE | $4,443 | $2,052+116.5% | $2,761+60.9% | $2,343+89.7% |
| Participant deferral / active EE | $5,741 | $2,466+132.8% | $3,330+72.4% | $3,332+72.3% |
| Admin fee / account holder | $3,386 | $2,834+19.5% | $3,601-6.0% | $4,645-27.1% |