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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 | $98,396 | $138,393-28.9% | $184,256-46.6% | $80,959+21.5% |
| Participation rate | 84.8% | 83.9%+0.9pp | 86.8%-2.0pp | 67.7%+17.1pp |
| Annual return | 19.99% | 20.01%0pp | 28.85%-8.9pp | 35.67%-15.7pp |
| Employer contribution / active EE | $20,000 | $4,847+312.6% | $6,427+211.2% | $2,757+625.4% |
| Participant deferral / active EE | $14,081 | $7,076+99.0% | $9,133+54.2% | $4,300+227.4% |
| Admin fee / account holder | $431 | $10,489-95.9% | $13,899-96.9% | $6,925-93.8% |