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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 | $69,171 | $105,856-34.7% | $90,161-23.3% | $147,586-53.1% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 5.13% | 37.63%-32.5pp | 34.89%-29.8pp | 578.59%-573.5pp |
| Employer contribution / active EE | $4,077 | $4,126-1.2% | $3,318+22.9% | $4,876-16.4% |
| Participant deferral / active EE | $8,582 | $5,733+49.7% | $5,287+62.3% | $5,439+57.8% |
| Admin fee / account holder | $1,255 | $8,046-84.4% | $5,943-78.9% | $10,886-88.5% |