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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 | $61,190 | $175,259-65.1% | $149,723-59.1% | $139,487-56.1% |
| Participation rate | 87.5% | 83.4%+4.1pp | 78.8%+8.7pp | 80.3%+7.2pp |
| Annual return | 6.59% | 166.82%-160.2pp | 134.50%-127.9pp | 373.84%-367.2pp |
| Employer contribution / active EE | $2,428 | $5,478-55.7% | $4,821-49.6% | $4,755-48.9% |
| Participant deferral / active EE | $8,452 | $6,522+29.6% | $5,682+48.7% | $6,713+25.9% |
| Admin fee / account holder | $499 | $16,158-96.9% | $13,215-96.2% | $11,407-95.6% |