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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 | $55,208 | $209,425-73.6% | $178,499-69.1% | $158,966-65.3% |
| Participation rate | 93.3% | 86.4%+7.0pp | 81.9%+11.4pp | 82.0%+11.4pp |
| Annual return | 2.60% | 188.80%-186.2pp | 151.10%-148.5pp | 302.95%-300.4pp |
| Employer contribution / active EE | $8,524 | $5,707+49.3% | $5,011+70.1% | $4,762+79.0% |
| Participant deferral / active EE | $4,202 | $5,955-29.4% | $5,202-19.2% | $5,983-29.8% |
| Admin fee / account holder | $8,220 | $17,078-51.9% | $13,986-41.2% | $11,250-26.9% |