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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 | $141,766 | $183,539-22.8% | $155,556-8.9% | $145,897-2.8% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 8.57% | 61.31%-52.7pp | 64.84%-56.3pp | 552.29%-543.7pp |
| Employer contribution / active EE | $7,040 | $5,315+32.4% | $4,675+50.6% | $4,663+51.0% |
| Participant deferral / active EE | $4,242 | $6,467-34.4% | $5,631-24.7% | $6,689-36.6% |
| Admin fee / account holder | $1,688 | $19,275-91.2% | $15,885-89.4% | $13,390-87.4% |