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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 | $78,293 | $114,712-31.7% | $173,730-54.9% | $87,485-10.5% |
| Participation rate | 93.9% | 73.0%+20.9pp | 79.6%+14.4pp | 68.9%+25.0pp |
| Annual return | 17.17% | 20.18%-3.0pp | 19.96%-2.8pp | 26.06%-8.9pp |
| Employer contribution / active EE | $1,699 | $2,904-41.5% | $4,577-62.9% | $2,596-34.6% |
| Participant deferral / active EE | $2,763 | $4,642-40.5% | $6,326-56.3% | $4,274-35.3% |
| Admin fee / account holder | $1,088 | $10,210-89.3% | $17,523-93.8% | $7,775-86.0% |