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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 | $111,096 | $154,754-28.2% | $124,206-10.6% | $138,895-20.0% |
| Participation rate | 82.6% | 75.5%+7.1pp | 69.6%+13.0pp | 79.9%+2.7pp |
| Annual return | 6.64% | 709.28%-702.6pp | 515.27%-508.6pp | 145.39%-138.8pp |
| Employer contribution / active EE | $3,214 | $4,446-27.7% | $3,540-9.2% | $4,194-23.4% |
| Participant deferral / active EE | $5,327 | $4,621+15.3% | $3,968+34.3% | $6,396-16.7% |
| Admin fee / account holder | $332 | $6,690-95.0% | $5,929-94.4% | $12,562-97.4% |