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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 | $51,332 | $160,028-67.9% | $147,080-65.1% | $145,884-64.8% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.2%-2.2pp | 80.3%-0.3pp |
| Annual return | 9.58% | 98.60%-89.0pp | 420.17%-410.6pp | 551.85%-542.3pp |
| Employer contribution / active EE | $2,771 | $5,286-47.6% | $4,933-43.8% | $4,662-40.6% |
| Participant deferral / active EE | $8,376 | $8,422-0.6% | $8,066+3.8% | $6,690+25.2% |
| Admin fee / account holder | $5,628 | $15,030-62.6% | $12,989-56.7% | $13,392-58.0% |