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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 | $31,710 | $160,040-80.2% | $147,096-78.4% | $145,877-78.3% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 8.10% | 98.49%-90.4pp | 419.75%-411.7pp | 551.28%-543.2pp |
| Employer contribution / active EE | $1,662 | $5,289-68.6% | $4,936-66.3% | $4,663-64.4% |
| Participant deferral / active EE | $8,365 | $8,429-0.8% | $8,071+3.6% | $6,691+25.0% |
| Admin fee / account holder | $3,769 | $15,050-75.0% | $13,005-71.0% | $13,402-71.9% |