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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 | $30,919 | $202,345-84.7% | $172,755-82.1% | $152,885-79.8% |
| Participation rate | 93.8% | 87.1%+6.7pp | 82.6%+11.1pp | 82.5%+11.3pp |
| Annual return | 8.62% | 1029.77%-1021.2pp | 802.94%-794.3pp | 345.39%-336.8pp |
| Employer contribution / active EE | $5,242 | $5,858-10.5% | $5,144+1.9% | $4,763+10.0% |
| Participant deferral / active EE | $2,843 | $5,948-52.2% | $5,198-45.3% | $5,851-51.4% |
| Admin fee / account holder | $476 | $17,111-97.2% | $13,955-96.6% | $11,598-95.9% |