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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 | $69,811 | $110,093-36.6% | $97,295-28.2% | $145,897-52.2% |
| Participation rate | 80.0% | 75.9%+4.1pp | 72.7%+7.3pp | 80.3%-0.3pp |
| Annual return | 6.46% | 244.76%-238.3pp | 75.62%-69.2pp | 552.29%-545.8pp |
| Employer contribution / active EE | $4,657 | $3,077+51.3% | $2,723+71.0% | $4,663-0.1% |
| Participant deferral / active EE | $6,736 | $4,678+44.0% | $4,264+58.0% | $6,689+0.7% |
| Admin fee / account holder | $798 | $6,212-87.1% | $5,646-85.9% | $13,390-94.0% |