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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 | $59,388 | $160,070-62.9% | $147,117-59.6% | $145,897-59.3% |
| Participation rate | 92.3% | 84.0%+8.3pp | 82.2%+10.1pp | 80.3%+12.0pp |
| Annual return | 9.11% | 98.69%-89.6pp | 420.54%-411.4pp | 552.29%-543.2pp |
| Employer contribution / active EE | $4,578 | $5,285-13.4% | $4,932-7.2% | $4,663-1.8% |
| Participant deferral / active EE | $6,817 | $8,419-19.0% | $8,065-15.5% | $6,689+1.9% |
| Admin fee / account holder | $9,869 | $15,035-34.4% | $12,993-24.0% | $13,390-26.3% |