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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 | $93,537 | $202,342-53.8% | $172,752-45.9% | $152,897-38.8% |
| Participation rate | 94.7% | 87.1%+7.7pp | 82.6%+12.1pp | 82.5%+12.3pp |
| Annual return | 9.24% | 1029.83%-1020.6pp | 802.97%-793.7pp | 345.43%-336.2pp |
| Employer contribution / active EE | $4,203 | $5,858-28.2% | $5,144-18.3% | $4,764-11.8% |
| Participant deferral / active EE | $3,327 | $5,948-44.1% | $5,198-36.0% | $5,851-43.1% |
| Admin fee / account holder | $2,044 | $17,111-88.1% | $13,955-85.4% | $11,599-82.4% |