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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 | $116,933 | $178,174-34.4% | $156,181-25.1% | $137,256-14.8% |
| Participation rate | 90.9% | 82.0%+8.9pp | 78.8%+12.1pp | 80.0%+10.9pp |
| Annual return | 3.90% | 84.19%-80.3pp | 64.87%-61.0pp | 220.34%-216.4pp |
| Employer contribution / active EE | $2,109 | $4,972-57.6% | $4,294-50.9% | $4,156-49.3% |
| Participant deferral / active EE | $2,758 | $6,888-60.0% | $6,132-55.0% | $6,407-57.0% |
| Admin fee / account holder | $730 | $17,404-95.8% | $14,586-95.0% | $12,270-94.1% |