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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 | $82,136 | $176,077-53.4% | $159,455-48.5% | $167,518-51.0% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 0.71% | 331.83%-331.1pp | 263.63%-262.9pp | 478.71%-478.0pp |
| Employer contribution / active EE | $6,119 | $5,298+15.5% | $4,830+26.7% | $4,838+26.5% |
| Participant deferral / active EE | $4,610 | $7,751-40.5% | $7,353-37.3% | $6,342-27.3% |
| Admin fee / account holder | $2,631 | $12,556-79.0% | $10,800-75.6% | $12,312-78.6% |