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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 | $101,550 | $105,145-3.4% | $94,664+7.3% | $139,466-27.2% |
| Participation rate | 91.7% | 82.4%+9.3pp | 80.8%+10.8pp | 80.3%+11.3pp |
| Annual return | 9.61% | 38.09%-28.5pp | 156.84%-147.2pp | 373.66%-364.1pp |
| Employer contribution / active EE | $5,690 | $4,107+38.5% | $3,673+54.9% | $4,754+19.7% |
| Participant deferral / active EE | $6,863 | $7,599-9.7% | $7,417-7.5% | $6,712+2.2% |
| Admin fee / account holder | $30,000 | $8,972+234.4% | $7,222+315.4% | $11,409+163.0% |