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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 | $40,349 | $159,934-74.8% | $147,005-72.6% | $145,959-72.4% |
| Participation rate | 71.4% | 84.0%-12.6pp | 82.2%-10.7pp | 80.3%-8.9pp |
| Annual return | 7.88% | 98.24%-90.4pp | 418.76%-410.9pp | 561.95%-554.1pp |
| Employer contribution / active EE | $2,294 | $5,287-56.6% | $4,934-53.5% | $4,661-50.8% |
| Participant deferral / active EE | $10,217 | $8,427+21.2% | $8,070+26.6% | $6,689+52.8% |
| Admin fee / account holder | $704 | $15,053-95.3% | $13,006-94.6% | $13,398-94.7% |