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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 | $62,129 | $81,208-23.5% | $98,920-37.2% | $79,856-22.2% |
| Participation rate | 96.7% | 72.5%+24.2pp | 76.0%+20.7pp | 69.6%+27.1pp |
| Annual return | 19.19% | 60.99%-41.8pp | 196.47%-177.3pp | 31.71%-12.5pp |
| Employer contribution / active EE | $5,291 | $1,960+170.0% | $2,689+96.8% | $2,471+114.1% |
| Participant deferral / active EE | $2,388 | $3,265-26.9% | $4,245-43.7% | $3,741-36.2% |
| Admin fee / account holder | $1,274 | $6,013-78.8% | $6,643-80.8% | $5,306-76.0% |