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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 | $54,993 | $60,349-8.9% | $74,183-25.9% | $62,891-12.6% |
| Participation rate | 87.3% | 72.7%+14.5pp | 76.6%+10.7pp | 69.3%+18.0pp |
| Annual return | 11.29% | 21.37%-10.1pp | 17.74%-6.4pp | 20.14%-8.8pp |
| Employer contribution / active EE | $4,756 | $1,680+183.1% | $2,370+100.7% | $2,281+108.5% |
| Participant deferral / active EE | $4,228 | $2,856+48.0% | $3,550+19.1% | $3,203+32.0% |
| Admin fee / account holder | $3,614 | $4,261-15.2% | $5,586-35.3% | $4,296-15.9% |