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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 | $54,765 | $209,422-73.8% | $178,503-69.3% | $158,982-65.6% |
| Participation rate | 95.7% | 86.4%+9.3pp | 81.9%+13.7pp | 82.0%+13.7pp |
| Annual return | 3.18% | 188.81%-185.6pp | 151.12%-147.9pp | 302.99%-299.8pp |
| Employer contribution / active EE | $4,613 | $5,707-19.2% | $5,011-7.9% | $4,763-3.1% |
| Participant deferral / active EE | $5,524 | $5,955-7.2% | $5,202+6.2% | $5,983-7.7% |
| Admin fee / account holder | $6,109 | $17,079-64.2% | $13,987-56.3% | $11,252-45.7% |