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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 | $61,778 | $160,040-61.4% | $147,096-58.0% | $145,877-57.7% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.2%+7.8pp | 80.3%+9.7pp |
| Annual return | 6.82% | 98.49%-91.7pp | 419.75%-412.9pp | 551.28%-544.5pp |
| Employer contribution / active EE | $6,054 | $5,289+14.4% | $4,936+22.6% | $4,663+29.8% |
| Participant deferral / active EE | $16,698 | $8,429+98.1% | $8,071+106.9% | $6,691+149.6% |
| Admin fee / account holder | $9,239 | $15,050-38.6% | $13,005-29.0% | $13,402-31.1% |