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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 | $91,881 | $160,040-42.6% | $147,096-37.5% | $145,877-37.0% |
| Participation rate | 94.4% | 84.0%+10.4pp | 82.2%+12.3pp | 80.3%+14.1pp |
| Annual return | 9.66% | 98.49%-88.8pp | 419.75%-410.1pp | 551.28%-541.6pp |
| Employer contribution / active EE | $7,412 | $5,289+40.1% | $4,936+50.2% | $4,663+59.0% |
| Participant deferral / active EE | $10,735 | $8,429+27.4% | $8,071+33.0% | $6,691+60.5% |
| Admin fee / account holder | $52,894 | $15,050+251.5% | $13,005+306.7% | $13,402+294.7% |