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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 | $159,153 | $226,105-29.6% | $182,540-12.8% | $152,897+4.1% |
| Participation rate | 91.7% | 82.5%+9.2pp | 78.0%+13.7pp | 82.5%+9.2pp |
| Annual return | 1.83% | 192.58%-190.7pp | 148.58%-146.7pp | 345.43%-343.6pp |
| Employer contribution / active EE | $3,633 | $4,978-27.0% | $4,076-10.9% | $4,764-23.7% |
| Participant deferral / active EE | $3,150 | $6,370-50.5% | $5,525-43.0% | $5,851-46.2% |
| Admin fee / account holder | $1,491 | $10,706-86.1% | $8,593-82.6% | $11,599-87.1% |