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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 | $105,972 | $81,233+30.5% | $155,567-31.9% | $80,874+31.0% |
| Participation rate | 97.6% | 66.2%+31.4pp | 78.2%+19.4pp | 67.6%+30.0pp |
| Annual return | 19.43% | 33.33%-13.9pp | 64.74%-45.3pp | 35.62%-16.2pp |
| Employer contribution / active EE | $3,294 | $3,101+6.2% | $4,674-29.5% | $2,756+19.5% |
| Participant deferral / active EE | $5,988 | $3,452+73.5% | $5,628+6.4% | $4,297+39.4% |
| Admin fee / account holder | $4,451 | $7,998-44.3% | $15,916-72.0% | $6,935-35.8% |