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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 | $209,473 | $102,595+104.2% | $94,057+122.7% | $154,746+35.4% |
| Participation rate | 70.0% | 76.0%-6.0pp | 73.3%-3.3pp | 80.7%-10.7pp |
| Annual return | 8.95% | 583.42%-574.5pp | 480.62%-471.7pp | 172.34%-163.4pp |
| Employer contribution / active EE | $4,907 | $3,147+55.9% | $2,933+67.3% | $4,379+12.1% |
| Participant deferral / active EE | $5,172 | $5,118+1.0% | $4,709+9.8% | $6,730-23.2% |
| Admin fee / account holder | $3,626 | $7,736-53.1% | $7,244-49.9% | $14,365-74.8% |