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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 | $94,095 | $134,817-30.2% | $123,973-24.1% | $155,188-39.4% |
| Participation rate | 87.5% | 79.4%+8.1pp | 76.7%+10.8pp | 80.8%+6.7pp |
| Annual return | 5.68% | 515.49%-509.8pp | 388.13%-382.5pp | 148.84%-143.2pp |
| Employer contribution / active EE | $4,911 | $4,425+11.0% | $4,126+19.0% | $4,248+15.6% |
| Participant deferral / active EE | $14,399 | $5,706+152.3% | $5,247+174.4% | $6,531+120.5% |
| Admin fee / account holder | $507 | $13,245-96.2% | $11,799-95.7% | $14,480-96.5% |