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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 | $79,954 | $91,537-12.7% | $130,045-38.5% | $75,173+6.4% |
| Participation rate | 70.2% | 71.5%-1.3pp | 78.5%-8.3pp | 67.2%+3.0pp |
| Annual return | 15.52% | -631.55%+647.1pp | -137.30%+152.8pp | 160.72%-145.2pp |
| Employer contribution / active EE | $0 | $2,845-100.0% | $4,321-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $6,557 | $4,343+51.0% | $5,820+12.7% | $4,126+58.9% |
| Admin fee / account holder | $4,598 | $6,780-32.2% | $10,600-56.6% | $5,651-18.6% |