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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 | $29,438 | $160,028-81.6% | $147,080-80.0% | $145,884-79.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.75% | 98.60%-89.8pp | 420.17%-411.4pp | 551.85%-543.1pp |
| Employer contribution / active EE | $3,498 | $5,286-33.8% | $4,933-29.1% | $4,662-25.0% |
| Participant deferral / active EE | $4,872 | $8,422-42.2% | $8,066-39.6% | $6,690-27.2% |
| Admin fee / account holder | $412 | $15,030-97.3% | $12,989-96.8% | $13,392-96.9% |