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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 | $54,063 | $57,073-5.3% | $85,126-36.5% | $80,925-33.2% |
| Participation rate | 70.6% | 56.4%+14.2pp | 67.5%+3.1pp | 67.7%+2.9pp |
| Annual return | 10.97% | 21.69%-10.7pp | 66.63%-55.7pp | 35.65%-24.7pp |
| Employer contribution / active EE | $2,065 | $1,801+14.7% | $2,731-24.4% | $2,756-25.1% |
| Participant deferral / active EE | $4,266 | $3,113+37.0% | $4,523-5.7% | $4,299-0.8% |
| Admin fee / account holder | $2,437 | $4,988-51.1% | $6,160-60.4% | $6,940-64.9% |