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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 | $65,011 | $95,453-31.9% | $112,040-42.0% | $82,448-21.1% |
| Participation rate | 85.7% | 72.8%+13.0pp | 76.5%+9.2pp | 68.1%+17.6pp |
| Annual return | 14.74% | 23.92%-9.2pp | 24.52%-9.8pp | 41.64%-26.9pp |
| Employer contribution / active EE | $1,861 | $2,318-19.7% | $2,954-37.0% | $2,551-27.1% |
| Participant deferral / active EE | $2,913 | $4,224-31.0% | $5,098-42.9% | $4,139-29.6% |
| Admin fee / account holder | $1,931 | $9,013-78.6% | $12,098-84.0% | $7,234-73.3% |