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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 | $107,510 | $180,749-40.5% | $160,784-33.1% | $137,256-21.7% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 5.03% | 2234.46%-2229.4pp | 1803.92%-1798.9pp | 220.34%-215.3pp |
| Employer contribution / active EE | $2,461 | $4,155-40.8% | $3,733-34.1% | $4,156-40.8% |
| Participant deferral / active EE | $7,482 | $6,844+9.3% | $6,293+18.9% | $6,407+16.8% |
| Admin fee / account holder | $1,443 | $10,397-86.1% | $9,717-85.1% | $12,270-88.2% |