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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 | $47,627 | $94,031-49.3% | $115,768-58.9% | $82,448-42.2% |
| Participation rate | 88.7% | 70.4%+18.3pp | 74.4%+14.3pp | 68.1%+20.6pp |
| Annual return | 14.74% | 20.61%-5.9pp | 100.46%-85.7pp | 41.64%-26.9pp |
| Employer contribution / active EE | $2,263 | $2,323-2.6% | $2,940-23.0% | $2,551-11.3% |
| Participant deferral / active EE | $4,490 | $3,972+13.1% | $4,917-8.7% | $4,139+8.5% |
| Admin fee / account holder | $4,558 | $10,249-55.5% | $12,439-63.4% | $7,234-37.0% |