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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 | $91,665 | $111,535-17.8% | $105,223-12.9% | $137,256-33.2% |
| Participation rate | 72.7% | 78.1%-5.4pp | 75.0%-2.3pp | 80.0%-7.2pp |
| Annual return | 7.93% | 237.85%-229.9pp | 180.65%-172.7pp | 220.34%-212.4pp |
| Employer contribution / active EE | $2,017 | $3,939-48.8% | $3,689-45.3% | $4,156-51.5% |
| Participant deferral / active EE | $4,109 | $5,500-25.3% | $5,072-19.0% | $6,407-35.9% |
| Admin fee / account holder | $24,820 | $9,721+155.3% | $8,859+180.2% | $12,270+102.3% |