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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 | $49,221 | $55,713-11.7% | $75,894-35.1% | $72,983-32.6% |
| Participation rate | 76.2% | 61.1%+15.1pp | 69.3%+6.9pp | 69.5%+6.7pp |
| Annual return | 25.47% | 27.60%-2.1pp | 30.76%-5.3pp | 81.01%-55.5pp |
| Employer contribution / active EE | $1,172 | $1,687-30.5% | $2,501-53.1% | $2,440-52.0% |
| Participant deferral / active EE | $3,718 | $2,634+41.1% | $3,603+3.2% | $3,608+3.1% |
| Admin fee / account holder | $5,003 | $3,980+25.7% | $5,420-7.7% | $5,124-2.4% |