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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 | $44,063 | $52,678-16.4% | $75,784-41.9% | $59,633-26.1% |
| Participation rate | 100.0% | 67.2%+32.8pp | 75.8%+24.2pp | 68.7%+31.3pp |
| Annual return | 4.98% | 2.95%+2.0pp | 9.68%-4.7pp | 2041.45%-2036.5pp |
| Employer contribution / active EE | $4,805 | $2,193+119.1% | $3,323+44.6% | $2,203+118.2% |
| Participant deferral / active EE | $3,569 | $2,591+37.8% | $3,652-2.3% | $3,192+11.8% |
| Admin fee / account holder | $985 | $3,610-72.7% | $5,300-81.4% | $4,297-77.1% |