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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 | $85,769 | $106,749-19.7% | $145,433-41.0% | $82,448+4.0% |
| Participation rate | 95.6% | 75.6%+19.9pp | 82.1%+13.4pp | 68.1%+27.5pp |
| Annual return | 18.59% | 27.59%-9.0pp | 66.58%-48.0pp | 41.64%-23.1pp |
| Employer contribution / active EE | $2,974 | $3,444-13.7% | $4,554-34.7% | $2,551+16.6% |
| Participant deferral / active EE | $6,507 | $6,519-0.2% | $7,897-17.6% | $4,139+57.2% |
| Admin fee / account holder | $1,315 | $8,390-84.3% | $13,129-90.0% | $7,234-81.8% |