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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 | $207,417 | $217,427-4.6% | $185,837+11.6% | $167,518+23.8% |
| Participation rate | 76.5% | 86.0%-9.6pp | 81.7%-5.2pp | 82.1%-5.6pp |
| Annual return | 3.06% | 148.39%-145.3pp | 122.08%-119.0pp | 478.71%-475.7pp |
| Employer contribution / active EE | $2,718 | $5,874-53.7% | $5,168-47.4% | $4,838-43.8% |
| Participant deferral / active EE | $5,673 | $6,357-10.8% | $5,568+1.9% | $6,342-10.5% |
| Admin fee / account holder | $9,825 | $19,816-50.4% | $16,241-39.5% | $12,312-20.2% |