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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 | $52,267 | $91,179-42.7% | $178,499-70.7% | $79,852-34.5% |
| Participation rate | 81.0% | 69.2%+11.7pp | 81.9%-1.0pp | 69.6%+11.3pp |
| Annual return | 16.84% | 24.19%-7.4pp | 151.10%-134.3pp | 31.72%-14.9pp |
| Employer contribution / active EE | $1,203 | $3,256-63.0% | $5,011-76.0% | $2,471-51.3% |
| Participant deferral / active EE | $4,097 | $3,236+26.6% | $5,202-21.2% | $3,740+9.5% |
| Admin fee / account holder | $5,495 | $6,749-18.6% | $13,986-60.7% | $5,306+3.6% |