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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 | $53,918 | $76,834-29.8% | $108,359-50.2% | $87,485-38.4% |
| Participation rate | 87.0% | 61.7%+25.2pp | 70.1%+16.8pp | 68.9%+18.0pp |
| Annual return | 17.38% | 19.09%-1.7pp | 36.89%-19.5pp | 26.06%-8.7pp |
| Employer contribution / active EE | $2,369 | $1,556+52.2% | $2,399-1.3% | $2,596-8.8% |
| Participant deferral / active EE | $3,507 | $3,100+13.1% | $4,137-15.2% | $4,274-17.9% |
| Admin fee / account holder | $2,005 | $6,537-69.3% | $9,741-79.4% | $7,775-74.2% |