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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 | $47,462 | $59,839-20.7% | $81,991-42.1% | $79,852-40.6% |
| Participation rate | 79.2% | 61.6%+17.6pp | 69.3%+10.0pp | 69.6%+9.6pp |
| Annual return | 27.53% | 17.56%+10.0pp | 41.31%-13.8pp | 31.72%-4.2pp |
| Employer contribution / active EE | $1,967 | $1,713+14.8% | $2,498-21.3% | $2,471-20.4% |
| Participant deferral / active EE | $4,053 | $2,695+50.4% | $3,722+8.9% | $3,740+8.4% |
| Admin fee / account holder | $427 | $4,287-90.0% | $5,665-92.5% | $5,306-91.9% |