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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 | $137,069 | $72,071+90.2% | $68,368+100.5% | $137,256-0.1% |
| Participation rate | 70.0% | 76.2%-6.2pp | 73.8%-3.8pp | 80.0%-10.0pp |
| Annual return | 9.67% | 353.14%-343.5pp | 292.57%-282.9pp | 220.34%-210.7pp |
| Employer contribution / active EE | $1,356 | $2,788-51.4% | $2,649-48.8% | $4,156-67.4% |
| Participant deferral / active EE | $2,739 | $4,410-37.9% | $4,123-33.6% | $6,407-57.3% |
| Admin fee / account holder | $1,644 | $5,336-69.2% | $5,150-68.1% | $12,270-86.6% |