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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 | $86,652 | $209,422-58.6% | $178,503-51.5% | $158,982-45.5% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 2.16% | 188.81%-186.6pp | 151.12%-149.0pp | 302.99%-300.8pp |
| Employer contribution / active EE | $6,202 | $5,707+8.7% | $5,011+23.8% | $4,763+30.2% |
| Participant deferral / active EE | $3,975 | $5,955-33.2% | $5,202-23.6% | $5,983-33.6% |
| Admin fee / account holder | $537 | $17,079-96.9% | $13,987-96.2% | $11,252-95.2% |