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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 | $52,048 | $81,457-36.1% | $103,378-49.7% | $80,911-35.7% |
| Participation rate | 93.3% | 66.8%+26.5pp | 74.5%+18.8pp | 67.6%+25.7pp |
| Annual return | 11.24% | 25.58%-14.3pp | 24.91%-13.7pp | 35.63%-24.4pp |
| Employer contribution / active EE | $2,837 | $3,107-8.7% | $3,870-26.7% | $2,756+3.0% |
| Participant deferral / active EE | $4,306 | $3,871+11.2% | $5,058-14.9% | $4,297+0.2% |
| Admin fee / account holder | $802 | $6,717-88.1% | $8,401-90.5% | $6,935-88.4% |