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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 | $91,398 | $165,399-44.7% | $149,745-39.0% | $158,982-42.5% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 2.40% | 348.34%-345.9pp | 276.72%-274.3pp | 302.99%-300.6pp |
| Employer contribution / active EE | $4,536 | $5,105-11.1% | $4,646-2.4% | $4,763-4.8% |
| Participant deferral / active EE | $8,724 | $7,183+21.5% | $6,843+27.5% | $5,983+45.8% |
| Admin fee / account holder | $13,003 | $10,811+20.3% | $9,312+39.6% | $11,252+15.6% |