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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 | $91,039 | $78,690+15.7% | $161,489-43.6% | $87,485+4.1% |
| Participation rate | 87.0% | 67.5%+19.6pp | 78.7%+8.3pp | 68.9%+18.1pp |
| Annual return | 15.26% | 32.74%-17.5pp | 89.72%-74.5pp | 26.06%-10.8pp |
| Employer contribution / active EE | $2,318 | $2,588-10.4% | $4,268-45.7% | $2,596-10.7% |
| Participant deferral / active EE | $4,615 | $3,311+39.4% | $5,630-18.0% | $4,274+8.0% |
| Admin fee / account holder | $3,697 | $6,724-45.0% | $16,006-76.9% | $7,775-52.4% |