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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 | $83,549 | $91,537-8.7% | $130,045-35.8% | $75,173+11.1% |
| Participation rate | 71.2% | 71.5%-0.3pp | 78.5%-7.3pp | 67.2%+4.0pp |
| Annual return | 15.56% | -631.55%+647.1pp | -137.30%+152.9pp | 160.72%-145.2pp |
| Employer contribution / active EE | $1,765 | $2,845-38.0% | $4,321-59.2% | $2,671-33.9% |
| Participant deferral / active EE | $2,962 | $4,343-31.8% | $5,820-49.1% | $4,126-28.2% |
| Admin fee / account holder | $5,158 | $6,780-23.9% | $10,600-51.3% | $5,651-8.7% |