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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 | $36,050 | $209,874-82.8% | $189,537-81.0% | $167,536-78.5% |
| Participation rate | 95.2% | 88.7%+6.6pp | 87.8%+7.4pp | 82.1%+13.1pp |
| Annual return | 3.19% | 748.61%-745.4pp | 555.34%-552.1pp | 478.82%-475.6pp |
| Employer contribution / active EE | $4,376 | $6,913-36.7% | $6,161-29.0% | $4,839-9.6% |
| Participant deferral / active EE | $5,548 | $8,934-37.9% | $8,220-32.5% | $6,342-12.5% |
| Admin fee / account holder | $2,533 | $14,299-82.3% | $12,048-79.0% | $12,315-79.4% |