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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 | $160,028-39.6% | $147,080-34.3% | $145,884-33.7% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 6.99% | 98.60%-91.6pp | 420.17%-413.2pp | 551.85%-544.9pp |
| Employer contribution / active EE | $3,371 | $5,286-36.2% | $4,933-31.7% | $4,662-27.7% |
| Participant deferral / active EE | $10,870 | $8,422+29.1% | $8,066+34.8% | $6,690+62.5% |
| Admin fee / account holder | $758 | $15,030-95.0% | $12,989-94.2% | $13,392-94.3% |