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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $43,013 | $160,070-73.1% | $147,117-70.8% | $145,897-70.5% |
| Participation rate | 95.2% | 84.0%+11.2pp | 82.2%+13.1pp | 80.3%+14.9pp |
| Annual return | 6.71% | 98.69%-92.0pp | 420.54%-413.8pp | 552.29%-545.6pp |
| Employer contribution / active EE | $2,319 | $5,285-56.1% | $4,932-53.0% | $4,663-50.3% |
| Participant deferral / active EE | $6,465 | $8,419-23.2% | $8,065-19.8% | $6,689-3.3% |
| Admin fee / account holder | $5,219 | $15,035-65.3% | $12,993-59.8% | $13,390-61.0% |