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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 | $45,358 | $159,978-71.6% | $147,041-69.2% | $145,978-68.9% |
| Participation rate | 72.7% | 84.0%-11.3pp | 82.2%-9.4pp | 80.3%-7.6pp |
| Annual return | 7.25% | 98.36%-91.1pp | 419.21%-412.0pp | 550.52%-543.3pp |
| Employer contribution / active EE | $2,245 | $5,288-57.5% | $4,935-54.5% | $4,662-51.8% |
| Participant deferral / active EE | $6,478 | $8,429-23.1% | $8,071-19.7% | $6,690-3.2% |
| Admin fee / account holder | $11,454 | $15,053-23.9% | $13,006-11.9% | $13,400-14.5% |