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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 | $140,441 | $165,399-15.1% | $149,745-6.2% | $158,982-11.7% |
| Participation rate | 91.7% | 84.6%+7.1pp | 82.5%+9.2pp | 82.0%+9.7pp |
| Annual return | 2.28% | 348.34%-346.1pp | 276.72%-274.4pp | 302.99%-300.7pp |
| Employer contribution / active EE | $15,302 | $5,105+199.8% | $4,646+229.4% | $4,763+221.3% |
| Participant deferral / active EE | $9,056 | $7,183+26.1% | $6,843+32.3% | $5,983+51.3% |
| Admin fee / account holder | $1,335 | $10,811-87.7% | $9,312-85.7% | $11,252-88.1% |