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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 | $67,931 | $198,457-65.8% | $170,435-60.1% | $147,586-54.0% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 6.21% | 257.30%-251.1pp | 205.94%-199.7pp | 578.59%-572.4pp |
| Employer contribution / active EE | $5,338 | $6,183-13.7% | $5,432-1.7% | $4,876+9.5% |
| Participant deferral / active EE | $6,717 | $5,629+19.3% | $4,939+36.0% | $5,439+23.5% |
| Admin fee / account holder | $1,671 | $16,852-90.1% | $13,881-88.0% | $10,886-84.7% |