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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 | $120,492 | $209,425-42.5% | $178,499-32.5% | $158,966-24.2% |
| Participation rate | 75.0% | 86.4%-11.4pp | 81.9%-6.9pp | 82.0%-7.0pp |
| Annual return | 6.22% | 188.80%-182.6pp | 151.10%-144.9pp | 302.95%-296.7pp |
| Employer contribution / active EE | $1,870 | $5,707-67.2% | $5,011-62.7% | $4,762-60.7% |
| Participant deferral / active EE | $4,082 | $5,955-31.5% | $5,202-21.5% | $5,983-31.8% |
| Admin fee / account holder | $1,231 | $17,078-92.8% | $13,986-91.2% | $11,250-89.1% |