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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 | $61,307 | $72,071-14.9% | $68,368-10.3% | $137,256-55.3% |
| Participation rate | 88.9% | 76.2%+12.7pp | 73.8%+15.1pp | 80.0%+8.9pp |
| Annual return | 12.96% | 353.14%-340.2pp | 292.57%-279.6pp | 220.34%-207.4pp |
| Employer contribution / active EE | $3,493 | $2,788+25.3% | $2,649+31.9% | $4,156-15.9% |
| Participant deferral / active EE | $5,798 | $4,410+31.5% | $4,123+40.6% | $6,407-9.5% |
| Admin fee / account holder | $14,190 | $5,336+165.9% | $5,150+175.5% | $12,270+15.6% |