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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 | $129,695 | $176,077-26.3% | $159,455-18.7% | $167,518-22.6% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 5.39% | 331.83%-326.4pp | 263.63%-258.2pp | 478.71%-473.3pp |
| Employer contribution / active EE | $2,304 | $5,298-56.5% | $4,830-52.3% | $4,838-52.4% |
| Participant deferral / active EE | $6,088 | $7,751-21.5% | $7,353-17.2% | $6,342-4.0% |
| Admin fee / account holder | $10,078 | $12,556-19.7% | $10,800-6.7% | $12,312-18.2% |