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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 | $55,288 | $78,423-29.5% | $95,964-42.4% | $79,856-30.8% |
| Participation rate | 89.8% | 73.5%+16.3pp | 77.1%+12.7pp | 69.6%+20.2pp |
| Annual return | 13.85% | 19.37%-5.5pp | 91.64%-77.8pp | 31.71%-17.9pp |
| Employer contribution / active EE | $1,272 | $1,945-34.6% | $2,541-49.9% | $2,471-48.5% |
| Participant deferral / active EE | $2,721 | $3,440-20.9% | $4,167-34.7% | $3,741-27.2% |
| Admin fee / account holder | $1,726 | $5,622-69.3% | $6,797-74.6% | $5,306-67.5% |