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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 | $47,644 | $101,752-53.2% | $164,928-71.1% | $80,911-41.1% |
| Participation rate | 89.4% | 71.8%+17.6pp | 78.6%+10.8pp | 67.6%+21.7pp |
| Annual return | 15.05% | 16.73%-1.7pp | 70.08%-55.0pp | 35.63%-20.6pp |
| Employer contribution / active EE | $3,473 | $2,953+17.6% | $4,343-20.0% | $2,756+26.0% |
| Participant deferral / active EE | $6,644 | $4,477+48.4% | $6,034+10.1% | $4,297+54.6% |
| Admin fee / account holder | $10,155 | $8,218+23.6% | $12,684-19.9% | $6,935+46.4% |