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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 | $146,351 | $183,988-20.5% | $162,177-9.8% | $152,897-4.3% |
| Participation rate | 75.0% | 88.5%-13.5pp | 87.6%-12.6pp | 82.5%-7.5pp |
| Annual return | 5.93% | 150.79%-144.9pp | 115.60%-109.7pp | 345.43%-339.5pp |
| Employer contribution / active EE | $1,680 | $6,370-73.6% | $5,613-70.1% | $4,764-64.7% |
| Participant deferral / active EE | $6,125 | $8,032-23.7% | $7,297-16.1% | $5,851+4.7% |
| Admin fee / account holder | $396 | $13,123-97.0% | $10,843-96.3% | $11,599-96.6% |