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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 | $73,474 | $93,055-21.0% | $153,643-52.2% | $80,935-9.2% |
| Participation rate | 73.3% | 69.0%+4.3pp | 77.1%-3.8pp | 67.7%+5.7pp |
| Annual return | 15.61% | 19.97%-4.4pp | 15.71%-0.1pp | 35.66%-20.1pp |
| Employer contribution / active EE | $0 | $3,504-100.0% | $5,039-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $5,165 | $5,172-0.1% | $6,754-23.5% | $4,299+20.1% |
| Admin fee / account holder | $423 | $8,881-95.2% | $12,739-96.7% | $6,924-93.9% |