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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 | $159,078 | $176,105-9.7% | $159,474-0.2% | $167,536-5.0% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 5.97% | 331.91%-325.9pp | 263.68%-257.7pp | 478.82%-472.8pp |
| Employer contribution / active EE | $1,348 | $5,299-74.6% | $4,831-72.1% | $4,839-72.2% |
| Participant deferral / active EE | $5,408 | $7,751-30.2% | $7,353-26.5% | $6,342-14.7% |
| Admin fee / account holder | $1,498 | $12,559-88.1% | $10,802-86.1% | $12,315-87.8% |