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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 | $103,681 | $98,766+5.0% | $149,730-30.8% | $79,852+29.8% |
| Participation rate | 86.8% | 75.8%+11.0pp | 82.5%+4.3pp | 69.6%+17.2pp |
| Annual return | 18.09% | 27.43%-9.3pp | 276.70%-258.6pp | 31.72%-13.6pp |
| Employer contribution / active EE | $3,588 | $3,217+11.5% | $4,645-22.8% | $2,471+45.2% |
| Participant deferral / active EE | $10,819 | $5,681+90.4% | $6,843+58.1% | $3,740+189.2% |
| Admin fee / account holder | $1,127 | $6,052-81.4% | $9,310-87.9% | $5,306-78.8% |