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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 | $29,781 | $160,040-81.4% | $147,096-79.8% | $145,877-79.6% |
| Participation rate | 95.2% | 84.0%+11.2pp | 82.2%+13.1pp | 80.3%+14.9pp |
| Annual return | 9.57% | 98.49%-88.9pp | 419.75%-410.2pp | 551.28%-541.7pp |
| Employer contribution / active EE | $4,957 | $5,289-6.3% | $4,936+0.4% | $4,663+6.3% |
| Participant deferral / active EE | $5,056 | $8,429-40.0% | $8,071-37.4% | $6,691-24.4% |
| Admin fee / account holder | $8,256 | $15,050-45.1% | $13,005-36.5% | $13,402-38.4% |