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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 | $48,623 | $94,031-48.3% | $115,768-58.0% | $82,448-41.0% |
| Participation rate | 77.8% | 70.4%+7.4pp | 74.4%+3.4pp | 68.1%+9.7pp |
| Annual return | 14.71% | 20.61%-5.9pp | 100.46%-85.8pp | 41.64%-26.9pp |
| Employer contribution / active EE | $1,734 | $2,323-25.4% | $2,940-41.0% | $2,551-32.0% |
| Participant deferral / active EE | $2,744 | $3,972-30.9% | $4,917-44.2% | $4,139-33.7% |
| Admin fee / account holder | $2,088 | $10,249-79.6% | $12,439-83.2% | $7,234-71.1% |