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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 | $29,745 | $160,040-81.4% | $147,096-79.8% | $145,877-79.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 6.53% | 98.49%-92.0pp | 419.75%-413.2pp | 551.28%-544.8pp |
| Employer contribution / active EE | $2,923 | $5,289-44.7% | $4,936-40.8% | $4,663-37.3% |
| Participant deferral / active EE | $9,630 | $8,429+14.2% | $8,071+19.3% | $6,691+43.9% |
| Admin fee / account holder | $1,867 | $15,050-87.6% | $13,005-85.6% | $13,402-86.1% |