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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 | $88,065 | $86,919+1.3% | $102,457-14.0% | $80,911+8.8% |
| Participation rate | 97.2% | 72.4%+24.8pp | 76.5%+20.7pp | 67.6%+29.6pp |
| Annual return | 12.55% | 18.90%-6.3pp | 29.41%-16.9pp | 35.63%-23.1pp |
| Employer contribution / active EE | $4,184 | $2,368+76.7% | $3,022+38.4% | $2,756+51.8% |
| Participant deferral / active EE | $3,234 | $4,119-21.5% | $5,054-36.0% | $4,297-24.7% |
| Admin fee / account holder | $4,472 | $8,049-44.4% | $9,451-52.7% | $6,935-35.5% |