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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 | $43,307 | $67,602-35.9% | $82,312-47.4% | $70,126-38.2% |
| Participation rate | 76.7% | 72.8%+3.9pp | 76.9%-0.2pp | 69.5%+7.1pp |
| Annual return | 17.88% | 21.57%-3.7pp | 25.88%-8.0pp | 73.15%-55.3pp |
| Employer contribution / active EE | $535 | $1,755-69.5% | $2,428-78.0% | $2,343-77.2% |
| Participant deferral / active EE | $1,658 | $2,987-44.5% | $3,706-55.3% | $3,332-50.2% |
| Admin fee / account holder | $3,281 | $4,512-27.3% | $5,608-41.5% | $4,645-29.4% |