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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 | $48,971 | $86,940-43.7% | $102,434-52.2% | $80,935-39.5% |
| Participation rate | 96.2% | 72.4%+23.8pp | 76.5%+19.6pp | 67.7%+28.5pp |
| Annual return | 11.67% | 18.89%-7.2pp | 29.46%-17.8pp | 35.66%-24.0pp |
| Employer contribution / active EE | $1,919 | $2,370-19.0% | $3,023-36.5% | $2,757-30.4% |
| Participant deferral / active EE | $3,889 | $4,121-5.6% | $5,055-23.1% | $4,299-9.6% |
| Admin fee / account holder | $6,415 | $8,047-20.3% | $9,462-32.2% | $6,924-7.4% |