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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 | $92,584 | $175,257-47.2% | $149,717-38.2% | $139,456-33.6% |
| Participation rate | 88.9% | 83.4%+5.5pp | 78.8%+10.1pp | 80.3%+8.6pp |
| Annual return | 3.73% | 166.70%-163.0pp | 134.41%-130.7pp | 373.45%-369.7pp |
| Employer contribution / active EE | $3,983 | $5,477-27.3% | $4,820-17.4% | $4,753-16.2% |
| Participant deferral / active EE | $9,661 | $6,521+48.2% | $5,682+70.0% | $6,711+44.0% |
| Admin fee / account holder | $2,886 | $16,156-82.1% | $13,213-78.2% | $11,407-74.7% |