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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 | $84,408 | $124,425-32.2% | $112,040-24.7% | $137,256-38.5% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 21.74% | 24.72%-3.0pp | 24.52%-2.8pp | 220.34%-198.6pp |
| Employer contribution / active EE | $6,048 | $3,411+77.3% | $2,954+104.8% | $4,156+45.5% |
| Participant deferral / active EE | $3,709 | $5,718-35.1% | $5,098-27.3% | $6,407-42.1% |
| Admin fee / account holder | $4,755 | $15,207-68.7% | $12,098-60.7% | $12,270-61.2% |