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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 | $76,694 | $160,040-52.1% | $147,096-47.9% | $145,877-47.4% |
| Participation rate | 94.4% | 84.0%+10.4pp | 82.2%+12.3pp | 80.3%+14.1pp |
| Annual return | 5.51% | 98.49%-93.0pp | 419.75%-414.2pp | 551.28%-545.8pp |
| Employer contribution / active EE | $2,307 | $5,289-56.4% | $4,936-53.3% | $4,663-50.5% |
| Participant deferral / active EE | $4,013 | $8,429-52.4% | $8,071-50.3% | $6,691-40.0% |
| Admin fee / account holder | $1,054 | $15,050-93.0% | $13,005-91.9% | $13,402-92.1% |