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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 | $83,310 | $75,962+9.7% | $154,108-45.9% | $64,173+29.8% |
| Participation rate | 85.0% | 70.4%+14.6pp | 83.0%+2.0pp | 69.6%+15.4pp |
| Annual return | -4.84% | 30.32%-35.2pp | 735.21%-740.0pp | 7.63%-12.5pp |
| Employer contribution / active EE | $3,741 | $3,350+11.7% | $5,298-29.4% | $2,381+57.1% |
| Participant deferral / active EE | $4,424 | $3,175+39.4% | $5,081-12.9% | $3,470+27.5% |
| Admin fee / account holder | $4,128 | $5,589-26.1% | $13,411-69.2% | $4,887-15.5% |