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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 | $67,307 | $160,028-57.9% | $147,080-54.2% | $145,884-53.9% |
| Participation rate | 90.9% | 84.0%+6.9pp | 82.2%+8.7pp | 80.3%+10.6pp |
| Annual return | 9.38% | 98.60%-89.2pp | 420.17%-410.8pp | 551.85%-542.5pp |
| Employer contribution / active EE | $11,770 | $5,286+122.7% | $4,933+138.6% | $4,662+152.4% |
| Participant deferral / active EE | $7,098 | $8,422-15.7% | $8,066-12.0% | $6,690+6.1% |
| Admin fee / account holder | $3,591 | $15,030-76.1% | $12,989-72.4% | $13,392-73.2% |