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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 | $89,386 | $108,942-18.0% | $100,415-11.0% | $145,897-38.7% |
| Participation rate | 80.0% | 83.0%-3.0pp | 81.5%-1.5pp | 80.3%-0.3pp |
| Annual return | 8.59% | 58.27%-49.7pp | 49.47%-40.9pp | 552.29%-543.7pp |
| Employer contribution / active EE | $2,266 | $4,422-48.8% | $3,943-42.5% | $4,663-51.4% |
| Participant deferral / active EE | $8,241 | $8,461-2.6% | $8,091+1.9% | $6,689+23.2% |
| Admin fee / account holder | $949 | $9,702-90.2% | $7,906-88.0% | $13,390-92.9% |