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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 | $86,745 | $91,537-5.2% | $130,045-33.3% | $75,173+15.4% |
| Participation rate | 73.0% | 71.5%+1.5pp | 78.5%-5.5pp | 67.2%+5.8pp |
| Annual return | 18.29% | -631.55%+649.8pp | -137.30%+155.6pp | 160.72%-142.4pp |
| Employer contribution / active EE | $1,975 | $2,845-30.6% | $4,321-54.3% | $2,671-26.1% |
| Participant deferral / active EE | $5,691 | $4,343+31.0% | $5,820-2.2% | $4,126+37.9% |
| Admin fee / account holder | $4,193 | $6,780-38.2% | $10,600-60.4% | $5,651-25.8% |