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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 | $88,856 | $160,070-44.5% | $147,117-39.6% | $145,897-39.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 9.36% | 98.69%-89.3pp | 420.54%-411.2pp | 552.29%-542.9pp |
| Employer contribution / active EE | $1,982 | $5,285-62.5% | $4,932-59.8% | $4,663-57.5% |
| Participant deferral / active EE | $3,312 | $8,419-60.7% | $8,065-58.9% | $6,689-50.5% |
| Admin fee / account holder | $2,997 | $15,035-80.1% | $12,993-76.9% | $13,390-77.6% |