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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 | $68,949 | $70,366-2.0% | $66,674+3.4% | $138,895-50.4% |
| Participation rate | 90.9% | 76.2%+14.7pp | 73.7%+17.2pp | 79.9%+11.0pp |
| Annual return | 12.84% | 386.41%-373.6pp | 321.24%-308.4pp | 145.39%-132.6pp |
| Employer contribution / active EE | $1,091 | $2,765-60.5% | $2,620-58.4% | $4,194-74.0% |
| Participant deferral / active EE | $3,824 | $4,374-12.6% | $4,084-6.4% | $6,396-40.2% |
| Admin fee / account holder | $10,228 | $5,262+94.4% | $5,098+100.6% | $12,562-18.6% |