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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 | $90,685 | $202,345-55.2% | $172,755-47.5% | $152,885-40.7% |
| Participation rate | 93.8% | 87.1%+6.7pp | 82.6%+11.1pp | 82.5%+11.3pp |
| Annual return | 6.41% | 1029.77%-1023.4pp | 802.94%-796.5pp | 345.39%-339.0pp |
| Employer contribution / active EE | $4,132 | $5,858-29.5% | $5,144-19.7% | $4,763-13.2% |
| Participant deferral / active EE | $3,633 | $5,948-38.9% | $5,198-30.1% | $5,851-37.9% |
| Admin fee / account holder | $1,222 | $17,111-92.9% | $13,955-91.2% | $11,598-89.5% |