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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 | $43,183 | $197,625-78.1% | $177,840-75.7% | $158,966-72.8% |
| Participation rate | 80.0% | 88.5%-8.5pp | 87.7%-7.7pp | 82.0%-2.0pp |
| Annual return | 1.85% | 58.76%-56.9pp | 48.32%-46.5pp | 302.95%-301.1pp |
| Employer contribution / active EE | $14,866 | $6,698+122.0% | $5,919+151.2% | $4,762+212.2% |
| Participant deferral / active EE | $9,517 | $8,405+13.2% | $7,714+23.4% | $5,983+59.1% |
| Admin fee / account holder | $1,795 | $15,405-88.3% | $12,431-85.6% | $11,250-84.0% |