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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 | $45,771 | $73,787-38.0% | $98,716-53.6% | $82,448-44.5% |
| Participation rate | 97.4% | 61.4%+36.0pp | 69.3%+28.1pp | 68.1%+29.3pp |
| Annual return | 16.55% | 18.57%-2.0pp | 31.81%-15.3pp | 41.64%-25.1pp |
| Employer contribution / active EE | $2,845 | $1,511+88.3% | $2,279+24.9% | $2,551+11.5% |
| Participant deferral / active EE | $2,681 | $3,081-13.0% | $4,048-33.8% | $4,139-35.2% |
| Admin fee / account holder | $11,823 | $6,500+81.9% | $8,703+35.9% | $7,234+63.4% |