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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 | $108,853 | $217,432-49.9% | $185,849-41.4% | $167,536-35.0% |
| Participation rate | 75.0% | 86.1%-11.1pp | 81.7%-6.7pp | 82.1%-7.1pp |
| Annual return | 2.65% | 148.42%-145.8pp | 122.10%-119.5pp | 478.82%-476.2pp |
| Employer contribution / active EE | $10,482 | $5,875+78.4% | $5,169+102.8% | $4,839+116.6% |
| Participant deferral / active EE | $8,318 | $6,357+30.8% | $5,569+49.4% | $6,342+31.2% |
| Admin fee / account holder | $7,473 | $19,818-62.3% | $16,244-54.0% | $12,315-39.3% |