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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 | $128,882 | $198,457-35.1% | $170,435-24.4% | $147,586-12.7% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 0.89% | 257.30%-256.4pp | 205.94%-205.1pp | 578.59%-577.7pp |
| Employer contribution / active EE | $8,697 | $6,183+40.7% | $5,432+60.1% | $4,876+78.3% |
| Participant deferral / active EE | $8,735 | $5,629+55.2% | $4,939+76.8% | $5,439+60.6% |
| Admin fee / account holder | $6,595 | $16,852-60.9% | $13,881-52.5% | $10,886-39.4% |