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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 | $119,346 | $148,623-19.7% | $135,974-12.2% | $139,466-14.4% |
| Participation rate | 70.6% | 83.9%-13.3pp | 81.9%-11.3pp | 80.3%-9.7pp |
| Annual return | 11.73% | 79.30%-67.6pp | 68.30%-56.6pp | 373.66%-361.9pp |
| Employer contribution / active EE | $0 | $5,246-100.0% | $4,859-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $9,285 | $8,103+14.6% | $7,760+19.6% | $6,712+38.3% |
| Admin fee / account holder | $3,579 | $12,406-71.2% | $10,767-66.8% | $11,409-68.6% |