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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 | $86,647 | $160,070-45.9% | $147,117-41.1% | $145,897-40.6% |
| Participation rate | 93.3% | 84.0%+9.3pp | 82.2%+11.1pp | 80.3%+13.0pp |
| Annual return | 7.82% | 98.69%-90.9pp | 420.54%-412.7pp | 552.29%-544.5pp |
| Employer contribution / active EE | $1,320 | $5,285-75.0% | $4,932-73.2% | $4,663-71.7% |
| Participant deferral / active EE | $14,163 | $8,419+68.2% | $8,065+75.6% | $6,689+111.7% |
| Admin fee / account holder | $44,623 | $15,035+196.8% | $12,993+243.4% | $13,390+233.2% |