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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 | $71,142 | $160,070-55.6% | $147,117-51.6% | $145,897-51.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.47% | 98.69%-90.2pp | 420.54%-412.1pp | 552.29%-543.8pp |
| Employer contribution / active EE | $3,132 | $5,285-40.7% | $4,932-36.5% | $4,663-32.8% |
| Participant deferral / active EE | $17,873 | $8,419+112.3% | $8,065+121.6% | $6,689+167.2% |
| Admin fee / account holder | $1,224 | $15,035-91.9% | $12,993-90.6% | $13,390-90.9% |