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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 | $65,416 | $183,592-64.4% | $155,574-58.0% | $145,877-55.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.44% | 61.37%-52.9pp | 64.87%-56.4pp | 551.28%-542.8pp |
| Employer contribution / active EE | $4,975 | $5,317-6.4% | $4,676+6.4% | $4,663+6.7% |
| Participant deferral / active EE | $5,963 | $6,466-7.8% | $5,629+5.9% | $6,691-10.9% |
| Admin fee / account holder | $1,438 | $19,316-92.6% | $15,914-91.0% | $13,402-89.3% |