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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 | $148,785 | $165,399-10.0% | $149,745-0.6% | $158,982-6.4% |
| Participation rate | 95.7% | 84.6%+11.1pp | 82.5%+13.2pp | 82.0%+13.7pp |
| Annual return | 7.08% | 348.34%-341.3pp | 276.72%-269.6pp | 302.99%-295.9pp |
| Employer contribution / active EE | $4,228 | $5,105-17.2% | $4,646-9.0% | $4,763-11.2% |
| Participant deferral / active EE | $8,456 | $7,183+17.7% | $6,843+23.6% | $5,983+41.3% |
| Admin fee / account holder | $1,057 | $10,811-90.2% | $9,312-88.7% | $11,252-90.6% |