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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 | $40,489 | $52,580-23.0% | $71,671-43.5% | $70,126-42.3% |
| Participation rate | 85.4% | 60.9%+24.5pp | 68.7%+16.7pp | 69.5%+15.9pp |
| Annual return | 18.63% | 20.25%-1.6pp | 20.65%-2.0pp | 73.15%-54.5pp |
| Employer contribution / active EE | $1,090 | $1,616-32.5% | $2,460-55.7% | $2,343-53.5% |
| Participant deferral / active EE | $3,529 | $2,386+47.9% | $3,438+2.6% | $3,332+5.9% |
| Admin fee / account holder | $2,278 | $3,653-37.6% | $5,558-59.0% | $4,645-51.0% |