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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 | $79,236 | $91,537-13.4% | $130,045-39.1% | $75,173+5.4% |
| Participation rate | 85.7% | 71.5%+14.3pp | 78.5%+7.2pp | 67.2%+18.5pp |
| Annual return | 18.81% | -631.55%+650.4pp | -137.30%+156.1pp | 160.72%-141.9pp |
| Employer contribution / active EE | $3,560 | $2,845+25.1% | $4,321-17.6% | $2,671+33.3% |
| Participant deferral / active EE | $5,580 | $4,343+28.5% | $5,820-4.1% | $4,126+35.2% |
| Admin fee / account holder | $432 | $6,780-93.6% | $10,600-95.9% | $5,651-92.4% |