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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 | $77,575 | $202,342-61.7% | $172,752-55.1% | $152,897-49.3% |
| Participation rate | 80.0% | 87.1%-7.1pp | 82.6%-2.6pp | 82.5%-2.5pp |
| Annual return | 1.91% | 1029.83%-1027.9pp | 802.97%-801.1pp | 345.43%-343.5pp |
| Employer contribution / active EE | $12,211 | $5,858+108.5% | $5,144+137.4% | $4,764+156.4% |
| Participant deferral / active EE | $5,169 | $5,948-13.1% | $5,198-0.5% | $5,851-11.6% |
| Admin fee / account holder | $2,400 | $17,111-86.0% | $13,955-82.8% | $11,599-79.3% |