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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 | $28,572 | $56,054-49.0% | $171,082-83.3% | $62,881-54.6% |
| Participation rate | 84.8% | 62.9%+22.0pp | 76.7%+8.2pp | 69.3%+15.5pp |
| Annual return | 8.68% | 22.52%-13.8pp | 32.56%-23.9pp | 20.14%-11.5pp |
| Employer contribution / active EE | $2,331 | $1,731+34.6% | $4,002-41.8% | $2,281+2.2% |
| Participant deferral / active EE | $3,971 | $3,158+25.7% | $4,797-17.2% | $3,203+24.0% |
| Admin fee / account holder | $5,614 | $3,647+53.9% | $8,520-34.1% | $4,296+30.7% |