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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 | $44,307 | $160,040-72.3% | $147,096-69.9% | $145,877-69.6% |
| Participation rate | 70.8% | 84.0%-13.2pp | 82.2%-11.3pp | 80.3%-9.5pp |
| Annual return | 9.16% | 98.49%-89.3pp | 419.75%-410.6pp | 551.28%-542.1pp |
| Employer contribution / active EE | $2,791 | $5,289-47.2% | $4,936-43.4% | $4,663-40.1% |
| Participant deferral / active EE | $4,555 | $8,429-46.0% | $8,071-43.6% | $6,691-31.9% |
| Admin fee / account holder | $1,134 | $15,050-92.5% | $13,005-91.3% | $13,402-91.5% |