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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 | $97,953 | $129,737-24.5% | $119,126-17.8% | $154,746-36.7% |
| Participation rate | 83.3% | 78.9%+4.5pp | 75.8%+7.6pp | 80.7%+2.6pp |
| Annual return | 3.96% | 379.08%-375.1pp | 282.11%-278.1pp | 172.34%-168.4pp |
| Employer contribution / active EE | $2,078 | $4,375-52.5% | $4,034-48.5% | $4,379-52.6% |
| Participant deferral / active EE | $4,963 | $5,842-15.1% | $5,318-6.7% | $6,730-26.3% |
| Admin fee / account holder | $1,293 | $11,961-89.2% | $10,693-87.9% | $14,365-91.0% |