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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 | $61,127 | $102,595-40.4% | $94,057-35.0% | $154,746-60.5% |
| Participation rate | 75.0% | 76.0%-1.0pp | 73.3%+1.7pp | 80.7%-5.7pp |
| Annual return | 4.68% | 583.42%-578.7pp | 480.62%-475.9pp | 172.34%-167.7pp |
| Employer contribution / active EE | $1,068 | $3,147-66.1% | $2,933-63.6% | $4,379-75.6% |
| Participant deferral / active EE | $6,531 | $5,118+27.6% | $4,709+38.7% | $6,730-3.0% |
| Admin fee / account holder | $652 | $7,736-91.6% | $7,244-91.0% | $14,365-95.5% |