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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 | $79,842 | $209,422-61.9% | $178,503-55.3% | $158,982-49.8% |
| Participation rate | 75.0% | 86.4%-11.4pp | 81.9%-6.9pp | 82.0%-7.0pp |
| Annual return | 1.23% | 188.81%-187.6pp | 151.12%-149.9pp | 302.99%-301.8pp |
| Employer contribution / active EE | $2,017 | $5,707-64.7% | $5,011-59.8% | $4,763-57.7% |
| Participant deferral / active EE | $3,158 | $5,955-47.0% | $5,202-39.3% | $5,983-47.2% |
| Admin fee / account holder | $2,340 | $17,079-86.3% | $13,987-83.3% | $11,252-79.2% |