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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 | $77,163 | $72,027+7.1% | $185,861-58.5% | $79,856-3.4% |
| Participation rate | 95.2% | 65.8%+29.5pp | 78.0%+17.2pp | 69.6%+25.6pp |
| Annual return | 21.56% | 23.13%-1.6pp | 35.96%-14.4pp | 31.71%-10.2pp |
| Employer contribution / active EE | $4,221 | $1,965+114.8% | $4,088+3.3% | $2,471+70.8% |
| Participant deferral / active EE | $5,647 | $3,780+49.4% | $5,634+0.2% | $3,741+51.0% |
| Admin fee / account holder | $575 | $4,513-87.3% | $9,503-94.0% | $5,306-89.2% |