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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 | $125,538 | $202,342-38.0% | $172,753-27.3% | $152,909-17.9% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 12.25% | 1029.88%-1017.6pp | 803.00%-790.7pp | 345.46%-333.2pp |
| Employer contribution / active EE | $1,685 | $5,857-71.2% | $5,144-67.3% | $4,764-64.6% |
| Participant deferral / active EE | $5,145 | $5,948-13.5% | $5,198-1.0% | $5,851-12.1% |
| Admin fee / account holder | $4,403 | $17,112-74.3% | $13,956-68.4% | $11,601-62.0% |