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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 | $70,585 | $97,648-27.7% | $121,663-42.0% | $87,485-19.3% |
| Participation rate | 76.5% | 70.5%+6.0pp | 74.5%+2.0pp | 68.9%+7.5pp |
| Annual return | 16.95% | 18.03%-1.1pp | 147.54%-130.6pp | 26.06%-9.1pp |
| Employer contribution / active EE | $3,121 | $2,300+35.7% | $3,020+3.3% | $2,596+20.2% |
| Participant deferral / active EE | $7,418 | $3,923+89.1% | $4,887+51.8% | $4,274+73.6% |
| Admin fee / account holder | $3,105 | $11,100-72.0% | $14,289-78.3% | $7,775-60.1% |