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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 | $97,679 | $159,934-38.9% | $147,005-33.6% | $145,959-33.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 2.47% | 98.24%-95.8pp | 418.76%-416.3pp | 561.95%-559.5pp |
| Employer contribution / active EE | $5,116 | $5,287-3.2% | $4,934+3.7% | $4,661+9.8% |
| Participant deferral / active EE | $6,112 | $8,427-27.5% | $8,070-24.3% | $6,689-8.6% |
| Admin fee / account holder | $4,283 | $15,053-71.5% | $13,006-67.1% | $13,398-68.0% |