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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 | $50,513 | $90,400-44.1% | $186,193-72.9% | $87,485-42.3% |
| Participation rate | 78.6% | 66.2%+12.4pp | 77.1%+1.5pp | 68.9%+9.6pp |
| Annual return | 20.98% | 22.15%-1.2pp | 78.03%-57.1pp | 26.06%-5.1pp |
| Employer contribution / active EE | $1,916 | $2,170-11.7% | $3,918-51.1% | $2,596-26.2% |
| Participant deferral / active EE | $6,522 | $4,330+50.6% | $6,513+0.1% | $4,274+52.6% |
| Admin fee / account holder | $496 | $8,673-94.3% | $11,058-95.5% | $7,775-93.6% |