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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 | $151,995 | $108,922+39.5% | $100,398+51.4% | $145,978+4.1% |
| Participation rate | 85.7% | 83.0%+2.8pp | 81.5%+4.2pp | 80.3%+5.4pp |
| Annual return | 6.91% | 58.04%-51.1pp | 49.32%-42.4pp | 550.52%-543.6pp |
| Employer contribution / active EE | $3,056 | $4,426-30.9% | $3,946-22.6% | $4,662-34.4% |
| Participant deferral / active EE | $7,187 | $8,450-14.9% | $8,084-11.1% | $6,690+7.4% |
| Admin fee / account holder | $3,969 | $9,680-59.0% | $7,893-49.7% | $13,400-70.4% |