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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 | $27,539 | $160,070-82.8% | $147,117-81.3% | $145,897-81.1% |
| Participation rate | 70.0% | 84.0%-14.0pp | 82.2%-12.2pp | 80.3%-10.3pp |
| Annual return | 9.21% | 98.69%-89.5pp | 420.54%-411.3pp | 552.29%-543.1pp |
| Employer contribution / active EE | $1,762 | $5,285-66.7% | $4,932-64.3% | $4,663-62.2% |
| Participant deferral / active EE | $3,040 | $8,419-63.9% | $8,065-62.3% | $6,689-54.6% |
| Admin fee / account holder | $5,503 | $15,035-63.4% | $12,993-57.6% | $13,390-58.9% |