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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 | $85,280 | $217,432-60.8% | $185,849-54.1% | $167,536-49.1% |
| Participation rate | 93.8% | 86.1%+7.7pp | 81.7%+12.0pp | 82.1%+11.6pp |
| Annual return | 7.02% | 148.42%-141.4pp | 122.10%-115.1pp | 478.82%-471.8pp |
| Employer contribution / active EE | $7,942 | $5,875+35.2% | $5,169+53.7% | $4,839+64.1% |
| Participant deferral / active EE | $8,560 | $6,357+34.6% | $5,569+53.7% | $6,342+35.0% |
| Admin fee / account holder | $2,843 | $19,818-85.7% | $16,244-82.5% | $12,315-76.9% |