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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 | $75,926 | $165,351-54.1% | $149,710-49.3% | $158,931-52.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 6.91% | 348.19%-341.3pp | 276.63%-269.7pp | 302.86%-296.0pp |
| Employer contribution / active EE | $6,116 | $5,103+19.8% | $4,645+31.7% | $4,761+28.4% |
| Participant deferral / active EE | $11,131 | $7,181+55.0% | $6,842+62.7% | $5,982+86.1% |
| Admin fee / account holder | $845 | $10,807-92.2% | $9,309-90.9% | $11,247-92.5% |