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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 | $107,605 | $209,422-48.6% | $178,503-39.7% | $158,982-32.3% |
| Participation rate | 88.2% | 86.4%+1.9pp | 81.9%+6.3pp | 82.0%+6.3pp |
| Annual return | 1.73% | 188.81%-187.1pp | 151.12%-149.4pp | 302.99%-301.3pp |
| Employer contribution / active EE | $3,741 | $5,707-34.4% | $5,011-25.3% | $4,763-21.5% |
| Participant deferral / active EE | $3,361 | $5,955-43.6% | $5,202-35.4% | $5,983-43.8% |
| Admin fee / account holder | $1,075 | $17,079-93.7% | $13,987-92.3% | $11,252-90.4% |