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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 | $60,770 | $91,538-33.6% | $130,014-53.3% | $75,173-19.2% |
| Participation rate | 75.0% | 71.4%+3.6pp | 78.5%-3.5pp | 67.2%+7.8pp |
| Annual return | 22.58% | -631.11%+653.7pp | -137.22%+159.8pp | 160.65%-138.1pp |
| Employer contribution / active EE | $2,806 | $2,845-1.4% | $4,320-35.1% | $2,670+5.1% |
| Participant deferral / active EE | $4,265 | $4,341-1.8% | $5,821-26.7% | $4,126+3.4% |
| Admin fee / account holder | $3,500 | $6,790-48.5% | $10,616-67.0% | $5,651-38.1% |