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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 | $83,572 | $209,422-60.1% | $178,503-53.2% | $158,982-47.4% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 5.31% | 188.81%-183.5pp | 151.12%-145.8pp | 302.99%-297.7pp |
| Employer contribution / active EE | $7,737 | $5,707+35.6% | $5,011+54.4% | $4,763+62.4% |
| Participant deferral / active EE | $6,450 | $5,955+8.3% | $5,202+24.0% | $5,983+7.8% |
| Admin fee / account holder | $629 | $17,079-96.3% | $13,987-95.5% | $11,252-94.4% |