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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 | $149,257 | $183,539-18.7% | $155,556-4.0% | $145,897+2.3% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 6.28% | 61.31%-55.0pp | 64.84%-58.6pp | 552.29%-546.0pp |
| Employer contribution / active EE | $6,668 | $5,315+25.4% | $4,675+42.6% | $4,663+43.0% |
| Participant deferral / active EE | $3,838 | $6,467-40.7% | $5,631-31.8% | $6,689-42.6% |
| Admin fee / account holder | $6,087 | $19,275-68.4% | $15,885-61.7% | $13,390-54.5% |