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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 | $32,453 | $88,672-63.4% | $105,223-69.2% | $82,448-60.6% |
| Participation rate | 95.1% | 67.9%+27.2pp | 75.0%+20.1pp | 68.1%+27.1pp |
| Annual return | 17.77% | 30.86%-13.1pp | 180.65%-162.9pp | 41.64%-23.9pp |
| Employer contribution / active EE | $3,507 | $3,048+15.1% | $3,689-4.9% | $2,551+37.5% |
| Participant deferral / active EE | $6,428 | $4,036+59.3% | $5,072+26.8% | $4,139+55.3% |
| Admin fee / account holder | $7,764 | $7,146+8.6% | $8,859-12.4% | $7,234+7.3% |