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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 | $55,175 | $81,262-32.1% | $155,602-64.5% | $80,911-31.8% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 13.91% | 33.34%-19.4pp | 64.81%-50.9pp | 35.63%-21.7pp |
| Employer contribution / active EE | $4,556 | $3,102+46.9% | $4,675-2.6% | $2,756+65.3% |
| Participant deferral / active EE | $4,119 | $3,451+19.3% | $5,629-26.8% | $4,297-4.1% |
| Admin fee / account holder | $4,135 | $7,992-48.3% | $15,923-74.0% | $6,935-40.4% |