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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 | $122,429 | $70,486+73.7% | $100,528+21.8% | $79,852+53.3% |
| Participation rate | 76.0% | 73.6%+2.4pp | 79.4%-3.4pp | 69.6%+6.4pp |
| Annual return | 20.84% | 21.90%-1.1pp | 30.90%-10.1pp | 31.72%-10.9pp |
| Employer contribution / active EE | $1,493 | $2,165-31.0% | $3,419-56.3% | $2,471-39.6% |
| Participant deferral / active EE | $4,975 | $5,182-4.0% | $6,271-20.7% | $3,740+33.0% |
| Admin fee / account holder | $657 | $4,480-85.3% | $8,084-91.9% | $5,306-87.6% |