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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 | $135,695 | $176,105-22.9% | $159,474-14.9% | $167,536-19.0% |
| Participation rate | 70.0% | 85.0%-15.0pp | 82.8%-12.8pp | 82.1%-12.1pp |
| Annual return | 9.63% | 331.91%-322.3pp | 263.68%-254.0pp | 478.82%-469.2pp |
| Employer contribution / active EE | $1,218 | $5,299-77.0% | $4,831-74.8% | $4,839-74.8% |
| Participant deferral / active EE | $3,966 | $7,751-48.8% | $7,353-46.1% | $6,342-37.5% |
| Admin fee / account holder | $1,568 | $12,559-87.5% | $10,802-85.5% | $12,315-87.3% |