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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 | $95,469 | $115,796-17.6% | $101,264-5.7% | $158,950-39.9% |
| Participation rate | 93.8% | 79.4%+14.4pp | 75.8%+17.9pp | 82.0%+11.8pp |
| Annual return | 4.72% | 56.15%-51.4pp | 46.48%-41.8pp | 302.91%-298.2pp |
| Employer contribution / active EE | $4,581 | $4,175+9.7% | $3,660+25.2% | $4,762-3.8% |
| Participant deferral / active EE | $4,213 | $4,958-15.0% | $4,370-3.6% | $5,983-29.6% |
| Admin fee / account holder | $499 | $7,247-93.1% | $5,947-91.6% | $11,248-95.6% |