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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 | $111,535-12.2% | $105,223-6.9% | $137,256-28.6% |
| Participation rate | 83.3% | 78.1%+5.2pp | 75.0%+8.3pp | 80.0%+3.4pp |
| Annual return | 3.96% | 237.85%-233.9pp | 180.65%-176.7pp | 220.34%-216.4pp |
| Employer contribution / active EE | $2,078 | $3,939-47.3% | $3,689-43.7% | $4,156-50.0% |
| Participant deferral / active EE | $4,963 | $5,500-9.8% | $5,072-2.1% | $6,407-22.5% |
| Admin fee / account holder | $1,293 | $9,721-86.7% | $8,859-85.4% | $12,270-89.5% |