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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 | $63,035 | $99,921-36.9% | $85,009-25.8% | $145,959-56.8% |
| Participation rate | 71.4% | 74.1%-2.7pp | 67.5%+3.9pp | 80.3%-8.9pp |
| Annual return | 3.87% | 83.89%-80.0pp | 66.47%-62.6pp | 561.95%-558.1pp |
| Employer contribution / active EE | $15,362 | $3,233+375.2% | $2,728+463.1% | $4,661+229.6% |
| Participant deferral / active EE | $8,714 | $5,293+64.6% | $4,522+92.7% | $6,689+30.3% |
| Admin fee / account holder | $791 | $7,252-89.1% | $6,153-87.2% | $13,398-94.1% |