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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 | $77,968 | $176,120-55.7% | $159,487-51.1% | $167,553-53.5% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 9.72% | 331.95%-322.2pp | 263.71%-254.0pp | 478.89%-469.2pp |
| Employer contribution / active EE | $1,797 | $5,299-66.1% | $4,831-62.8% | $4,840-62.9% |
| Participant deferral / active EE | $4,711 | $7,752-39.2% | $7,354-35.9% | $6,343-25.7% |
| Admin fee / account holder | $862 | $12,561-93.1% | $10,804-92.0% | $12,316-93.0% |