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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 | $98,822 | $76,407+29.3% | $150,298-34.2% | $82,448+19.9% |
| Participation rate | 90.5% | 66.4%+24.1pp | 77.8%+12.7pp | 68.1%+22.4pp |
| Annual return | 19.41% | 39.99%-20.6pp | 62.79%-43.4pp | 41.64%-22.2pp |
| Employer contribution / active EE | $3,637 | $2,614+39.1% | $4,154-12.5% | $2,551+42.6% |
| Participant deferral / active EE | $2,978 | $3,214-7.3% | $5,453-45.4% | $4,139-28.0% |
| Admin fee / account holder | $4,269 | $6,352-32.8% | $14,116-69.8% | $7,234-41.0% |