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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 | $83,632 | $97,550-14.3% | $120,344-30.5% | $87,485-4.4% |
| Participation rate | 78.1% | 72.8%+5.3pp | 76.7%+1.4pp | 68.9%+9.2pp |
| Annual return | 12.23% | 18.41%-6.2pp | 20.30%-8.1pp | 26.06%-13.8pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,832 | $4,230-33.0% | $5,135-44.8% | $4,274-33.7% |
| Admin fee / account holder | $2,598 | $9,543-72.8% | $12,742-79.6% | $7,775-66.6% |