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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 | $31,589 | $72,492-56.4% | $87,104-63.7% | $72,975-56.7% |
| Participation rate | 86.8% | 72.8%+14.0pp | 76.9%+10.0pp | 69.5%+17.4pp |
| Annual return | 18.50% | 24.46%-6.0pp | 28.19%-9.7pp | 81.01%-62.5pp |
| Employer contribution / active EE | $1,141 | $1,894-39.7% | $2,521-54.7% | $2,440-53.2% |
| Participant deferral / active EE | $2,218 | $3,270-32.2% | $4,048-45.2% | $3,608-38.5% |
| Admin fee / account holder | $5,194 | $5,055+2.8% | $7,491-30.7% | $5,124+1.4% |