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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 | $42,068 | $160,040-73.7% | $147,096-71.4% | $145,877-71.2% |
| Participation rate | 70.0% | 84.0%-14.0pp | 82.2%-12.2pp | 80.3%-10.3pp |
| Annual return | 7.30% | 98.49%-91.2pp | 419.75%-412.4pp | 551.28%-544.0pp |
| Employer contribution / active EE | $2,930 | $5,289-44.6% | $4,936-40.6% | $4,663-37.2% |
| Participant deferral / active EE | $6,080 | $8,429-27.9% | $8,071-24.7% | $6,691-9.1% |
| Admin fee / account holder | $8,016 | $15,050-46.7% | $13,005-38.4% | $13,402-40.2% |