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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 | $126,972 | $157,304-19.3% | $141,197-10.1% | $152,909-17.0% |
| Participation rate | 87.5% | 84.8%+2.7pp | 82.5%+5.0pp | 82.5%+5.0pp |
| Annual return | 3.24% | 64.34%-61.1pp | 71.41%-68.2pp | 345.46%-342.2pp |
| Employer contribution / active EE | $5,826 | $5,263+10.7% | $4,736+23.0% | $4,764+22.3% |
| Participant deferral / active EE | $6,738 | $7,111-5.2% | $6,710+0.4% | $5,851+15.2% |
| Admin fee / account holder | $8,584 | $12,126-29.2% | $10,265-16.4% | $11,601-26.0% |