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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 | $86,414 | $106,524-18.9% | $152,301-43.3% | $87,485-1.2% |
| Participation rate | 88.7% | 75.8%+13.0pp | 82.4%+6.3pp | 68.9%+19.8pp |
| Annual return | 34.78% | 26.89%+7.9pp | 80.50%-45.7pp | 26.06%+8.7pp |
| Employer contribution / active EE | $4,304 | $3,371+27.7% | $4,624-6.9% | $2,596+65.8% |
| Participant deferral / active EE | $9,543 | $6,525+46.3% | $8,004+19.2% | $4,274+123.3% |
| Admin fee / account holder | $427 | $8,287-94.9% | $14,398-97.0% | $7,775-94.5% |