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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 | $45,220 | $160,070-71.7% | $147,117-69.3% | $145,897-69.0% |
| Participation rate | 76.9% | 84.0%-7.1pp | 82.2%-5.3pp | 80.3%-3.4pp |
| Annual return | 9.53% | 98.69%-89.2pp | 420.54%-411.0pp | 552.29%-542.8pp |
| Employer contribution / active EE | $2,756 | $5,285-47.8% | $4,932-44.1% | $4,663-40.9% |
| Participant deferral / active EE | $3,330 | $8,419-60.4% | $8,065-58.7% | $6,689-50.2% |
| Admin fee / account holder | $2,260 | $15,035-85.0% | $12,993-82.6% | $13,390-83.1% |