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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 | $76,651 | $88,672-13.6% | $105,223-27.2% | $82,448-7.0% |
| Participation rate | 70.1% | 67.9%+2.2pp | 75.0%-4.9pp | 68.1%+2.1pp |
| Annual return | 13.53% | 30.86%-17.3pp | 180.65%-167.1pp | 41.64%-28.1pp |
| Employer contribution / active EE | $3,376 | $3,048+10.8% | $3,689-8.5% | $2,551+32.4% |
| Participant deferral / active EE | $7,587 | $4,036+88.0% | $5,072+49.6% | $4,139+83.3% |
| Admin fee / account holder | $4,902 | $7,146-31.4% | $8,859-44.7% | $7,234-32.2% |