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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 | $102,026 | $77,817+31.1% | $123,553-17.4% | $64,173+59.0% |
| Participation rate | 92.5% | 74.7%+17.8pp | 82.3%+10.2pp | 69.6%+22.9pp |
| Annual return | -9.05% | 12.49%-21.5pp | 119.21%-128.3pp | 7.63%-16.7pp |
| Employer contribution / active EE | $4,973 | $3,014+65.0% | $4,628+7.5% | $2,381+108.9% |
| Participant deferral / active EE | $7,940 | $5,240+51.5% | $6,426+23.6% | $3,470+128.8% |
| Admin fee / account holder | $1,406 | $5,519-74.5% | $9,284-84.9% | $4,887-71.2% |