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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 | $34,153 | $160,028-78.7% | $147,080-76.8% | $145,884-76.6% |
| Participation rate | 88.9% | 84.0%+4.9pp | 82.2%+6.7pp | 80.3%+8.6pp |
| Annual return | 8.97% | 98.60%-89.6pp | 420.17%-411.2pp | 551.85%-542.9pp |
| Employer contribution / active EE | $2,216 | $5,286-58.1% | $4,933-55.1% | $4,662-52.5% |
| Participant deferral / active EE | $8,809 | $8,422+4.6% | $8,066+9.2% | $6,690+31.7% |
| Admin fee / account holder | $6,927 | $15,030-53.9% | $12,989-46.7% | $13,392-48.3% |