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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 | $28,911 | $102,595-71.8% | $94,057-69.3% | $154,746-81.3% |
| Participation rate | 75.0% | 76.0%-1.0pp | 73.3%+1.7pp | 80.7%-5.7pp |
| Annual return | 6.28% | 583.42%-577.1pp | 480.62%-474.3pp | 172.34%-166.1pp |
| Employer contribution / active EE | $2,618 | $3,147-16.8% | $2,933-10.7% | $4,379-40.2% |
| Participant deferral / active EE | $3,679 | $5,118-28.1% | $4,709-21.9% | $6,730-45.3% |
| Admin fee / account holder | $1,287 | $7,736-83.4% | $7,244-82.2% | $14,365-91.0% |