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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 | $91,536-33.6% | $130,062-53.3% | $75,177-19.2% |
| Participation rate | 75.0% | 71.5%+3.5pp | 78.5%-3.5pp | 67.2%+7.8pp |
| Annual return | 22.58% | -631.62%+654.2pp | -137.37%+160.0pp | 160.75%-138.2pp |
| Employer contribution / active EE | $2,806 | $2,845-1.4% | $4,322-35.1% | $2,671+5.0% |
| Participant deferral / active EE | $4,265 | $4,343-1.8% | $5,821-26.7% | $4,126+3.4% |
| Admin fee / account holder | $3,500 | $6,780-48.4% | $10,601-67.0% | $5,651-38.1% |