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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 | $76,899 | $160,040-52.0% | $147,096-47.7% | $145,877-47.3% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 9.39% | 98.49%-89.1pp | 419.75%-410.4pp | 551.28%-541.9pp |
| Employer contribution / active EE | $3,224 | $5,289-39.0% | $4,936-34.7% | $4,663-30.9% |
| Participant deferral / active EE | $11,678 | $8,429+38.6% | $8,071+44.7% | $6,691+74.5% |
| Admin fee / account holder | $1,797 | $15,050-88.1% | $13,005-86.2% | $13,402-86.6% |