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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 | $33,164 | $176,105-81.2% | $159,474-79.2% | $167,536-80.2% |
| Participation rate | 81.0% | 85.0%-4.0pp | 82.8%-1.9pp | 82.1%-1.2pp |
| Annual return | 7.06% | 331.91%-324.9pp | 263.68%-256.6pp | 478.82%-471.8pp |
| Employer contribution / active EE | $9,593 | $5,299+81.0% | $4,831+98.6% | $4,839+98.2% |
| Participant deferral / active EE | $8,226 | $7,751+6.1% | $7,353+11.9% | $6,342+29.7% |
| Admin fee / account holder | $429 | $12,559-96.6% | $10,802-96.0% | $12,315-96.5% |