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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 | $54,773 | $70,430-22.2% | $96,572-43.3% | $85,851-36.2% |
| Participation rate | 74.7% | 61.8%+12.9pp | 69.8%+4.9pp | 69.3%+5.4pp |
| Annual return | 11.96% | 18.58%-6.6pp | 37.79%-25.8pp | 318.63%-306.7pp |
| Employer contribution / active EE | $1,420 | $1,413+0.5% | $2,357-39.8% | $2,565-44.6% |
| Participant deferral / active EE | $3,866 | $2,894+33.6% | $3,850+0.4% | $3,952-2.2% |
| Admin fee / account holder | $5,567 | $4,996+11.4% | $6,183-10.0% | $6,261-11.1% |