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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 | $59,768 | $160,028-62.7% | $147,080-59.4% | $145,884-59.0% |
| Participation rate | 76.9% | 84.0%-7.1pp | 82.2%-5.3pp | 80.3%-3.4pp |
| Annual return | 7.43% | 98.60%-91.2pp | 420.17%-412.7pp | 551.85%-544.4pp |
| Employer contribution / active EE | $4,363 | $5,286-17.4% | $4,933-11.6% | $4,662-6.4% |
| Participant deferral / active EE | $5,412 | $8,422-35.7% | $8,066-32.9% | $6,690-19.1% |
| Admin fee / account holder | $6,006 | $15,030-60.0% | $12,989-53.8% | $13,392-55.1% |