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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 | $38,788 | $160,028-75.8% | $147,080-73.6% | $145,884-73.4% |
| Participation rate | 85.7% | 84.0%+1.7pp | 82.2%+3.5pp | 80.3%+5.4pp |
| Annual return | 9.27% | 98.60%-89.3pp | 420.17%-410.9pp | 551.85%-542.6pp |
| Employer contribution / active EE | $10,573 | $5,286+100.0% | $4,933+114.3% | $4,662+126.8% |
| Participant deferral / active EE | $4,286 | $8,422-49.1% | $8,066-46.9% | $6,690-35.9% |
| Admin fee / account holder | $438 | $15,030-97.1% | $12,989-96.6% | $13,392-96.7% |