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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 | $109,185 | $111,535-2.1% | $105,223+3.8% | $137,256-20.5% |
| Participation rate | 88.9% | 78.1%+10.8pp | 75.0%+13.8pp | 80.0%+8.9pp |
| Annual return | 10.02% | 237.85%-227.8pp | 180.65%-170.6pp | 220.34%-210.3pp |
| Employer contribution / active EE | $1,120 | $3,939-71.6% | $3,689-69.6% | $4,156-73.1% |
| Participant deferral / active EE | $2,764 | $5,500-49.7% | $5,072-45.5% | $6,407-56.9% |
| Admin fee / account holder | $848 | $9,721-91.3% | $8,859-90.4% | $12,270-93.1% |