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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 | $69,905 | $160,070-56.3% | $147,117-52.5% | $145,897-52.1% |
| Participation rate | 84.6% | 84.0%+0.6pp | 82.2%+2.4pp | 80.3%+4.3pp |
| Annual return | 9.20% | 98.69%-89.5pp | 420.54%-411.3pp | 552.29%-543.1pp |
| Employer contribution / active EE | $3,694 | $5,285-30.1% | $4,932-25.1% | $4,663-20.8% |
| Participant deferral / active EE | $9,861 | $8,419+17.1% | $8,065+22.3% | $6,689+47.4% |
| Admin fee / account holder | $29,026 | $15,035+93.1% | $12,993+123.4% | $13,390+116.8% |