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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 | $63,550 | $159,978-60.3% | $147,041-56.8% | $145,978-56.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 7.02% | 98.36%-91.3pp | 419.21%-412.2pp | 550.52%-543.5pp |
| Employer contribution / active EE | $4,237 | $5,288-19.9% | $4,935-14.2% | $4,662-9.1% |
| Participant deferral / active EE | $7,077 | $8,429-16.0% | $8,071-12.3% | $6,690+5.8% |
| Admin fee / account holder | $7,567 | $15,053-49.7% | $13,006-41.8% | $13,400-43.5% |