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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 | $65,586 | $160,070-59.0% | $147,117-55.4% | $145,897-55.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 7.52% | 98.69%-91.2pp | 420.54%-413.0pp | 552.29%-544.8pp |
| Employer contribution / active EE | $4,855 | $5,285-8.1% | $4,932-1.6% | $4,663+4.1% |
| Participant deferral / active EE | $2,960 | $8,419-64.8% | $8,065-63.3% | $6,689-55.8% |
| Admin fee / account holder | $923 | $15,035-93.9% | $12,993-92.9% | $13,390-93.1% |