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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 | $95,112 | $176,105-46.0% | $159,474-40.4% | $167,536-43.2% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 7.06% | 331.91%-324.9pp | 263.68%-256.6pp | 478.82%-471.8pp |
| Employer contribution / active EE | $5,208 | $5,299-1.7% | $4,831+7.8% | $4,839+7.6% |
| Participant deferral / active EE | $6,337 | $7,751-18.2% | $7,353-13.8% | $6,342-0.1% |
| Admin fee / account holder | $10,223 | $12,559-18.6% | $10,802-5.4% | $12,315-17.0% |