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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 | $84,821 | $100,784-15.8% | $191,597-55.7% | $82,637+2.6% |
| Participation rate | 70.6% | 70.5%+0.1pp | 76.9%-6.3pp | 68.1%+2.5pp |
| Annual return | 16.59% | 18.13%-1.5pp | 27.07%-10.5pp | 53.51%-36.9pp |
| Employer contribution / active EE | $1,559 | $3,102-49.7% | $5,025-69.0% | $2,552-38.9% |
| Participant deferral / active EE | $4,896 | $4,937-0.8% | $6,850-28.5% | $4,126+18.7% |
| Admin fee / account holder | $1,000 | $10,062-90.1% | $22,799-95.6% | $7,339-86.4% |