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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 | $59,473 | $70,366-15.5% | $66,674-10.8% | $138,895-57.2% |
| Participation rate | 84.6% | 76.2%+8.4pp | 73.7%+10.9pp | 79.9%+4.7pp |
| Annual return | 7.48% | 386.41%-378.9pp | 321.24%-313.8pp | 145.39%-137.9pp |
| Employer contribution / active EE | $5,480 | $2,765+98.2% | $2,620+109.1% | $4,194+30.6% |
| Participant deferral / active EE | $4,473 | $4,374+2.3% | $4,084+9.5% | $6,396-30.1% |
| Admin fee / account holder | $1,210 | $5,262-77.0% | $5,098-76.3% | $12,562-90.4% |