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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 | $71,748 | $91,537-21.6% | $130,045-44.8% | $75,173-4.6% |
| Participation rate | 86.0% | 71.5%+14.6pp | 78.5%+7.5pp | 67.2%+18.8pp |
| Annual return | 16.74% | -631.55%+648.3pp | -137.30%+154.0pp | 160.72%-144.0pp |
| Employer contribution / active EE | $2,671 | $2,845-6.1% | $4,321-38.2% | $2,6710% |
| Participant deferral / active EE | $4,173 | $4,343-3.9% | $5,820-28.3% | $4,126+1.1% |
| Admin fee / account holder | $1,004 | $6,780-85.2% | $10,600-90.5% | $5,651-82.2% |