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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 | $96,701 | $160,070-39.6% | $147,117-34.3% | $145,897-33.7% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.1pp | 80.3%+3.0pp |
| Annual return | 6.99% | 98.69%-91.7pp | 420.54%-413.5pp | 552.29%-545.3pp |
| Employer contribution / active EE | $3,371 | $5,285-36.2% | $4,932-31.7% | $4,663-27.7% |
| Participant deferral / active EE | $10,870 | $8,419+29.1% | $8,065+34.8% | $6,689+62.5% |
| Admin fee / account holder | $758 | $15,035-95.0% | $12,993-94.2% | $13,390-94.3% |