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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 | $95,559 | $137,414-30.5% | $189,520-49.6% | $85,856+11.3% |
| Participation rate | 88.1% | 84.6%+3.5pp | 87.8%+0.3pp | 69.3%+18.8pp |
| Annual return | 9.43% | 38.14%-28.7pp | 555.25%-545.8pp | 318.58%-309.2pp |
| Employer contribution / active EE | $1,471 | $4,344-66.1% | $6,161-76.1% | $2,565-42.7% |
| Participant deferral / active EE | $5,168 | $6,260-17.4% | $8,220-37.1% | $3,952+30.8% |
| Admin fee / account holder | $7,597 | $8,630-12.0% | $12,046-36.9% | $6,261+21.3% |