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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 | $89,285 | $202,342-55.9% | $172,753-48.3% | $152,909-41.6% |
| Participation rate | 87.5% | 87.1%+0.4pp | 82.6%+4.9pp | 82.5%+5.0pp |
| Annual return | 11.75% | 1029.88%-1018.1pp | 803.00%-791.2pp | 345.46%-333.7pp |
| Employer contribution / active EE | $4,306 | $5,857-26.5% | $5,144-16.3% | $4,764-9.6% |
| Participant deferral / active EE | $2,794 | $5,948-53.0% | $5,198-46.2% | $5,851-52.3% |
| Admin fee / account holder | $3,647 | $17,112-78.7% | $13,956-73.9% | $11,601-68.6% |