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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 | $33,185 | $165,399-79.9% | $149,745-77.8% | $158,982-79.1% |
| Participation rate | 90.0% | 84.6%+5.4pp | 82.5%+7.5pp | 82.0%+8.0pp |
| Annual return | -0.86% | 348.34%-349.2pp | 276.72%-277.6pp | 302.99%-303.8pp |
| Employer contribution / active EE | $2,235 | $5,105-56.2% | $4,646-51.9% | $4,763-53.1% |
| Participant deferral / active EE | $3,345 | $7,183-53.4% | $6,843-51.1% | $5,983-44.1% |
| Admin fee / account holder | $1,549 | $10,811-85.7% | $9,312-83.4% | $11,252-86.2% |