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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 | $49,293 | $106,749-53.8% | $145,433-66.1% | $82,448-40.2% |
| Participation rate | 96.6% | 75.6%+20.9pp | 82.1%+14.4pp | 68.1%+28.5pp |
| Annual return | 26.68% | 27.59%-0.9pp | 66.58%-39.9pp | 41.64%-15.0pp |
| Employer contribution / active EE | $3,963 | $3,444+15.0% | $4,554-13.0% | $2,551+55.3% |
| Participant deferral / active EE | $7,456 | $6,519+14.4% | $7,897-5.6% | $4,139+80.1% |
| Admin fee / account holder | $7,967 | $8,390-5.0% | $13,129-39.3% | $7,234+10.1% |