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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 | $107,861 | $125,184-13.8% | $105,607+2.1% | $145,884-26.1% |
| Participation rate | 80.0% | 77.6%+2.4pp | 75.3%+4.7pp | 80.3%-0.3pp |
| Annual return | 5.92% | 225.00%-219.1pp | 116.11%-110.2pp | 551.85%-545.9pp |
| Employer contribution / active EE | $2,323 | $3,720-37.5% | $3,167-26.6% | $4,662-50.2% |
| Participant deferral / active EE | $12,895 | $5,714+125.7% | $5,011+157.3% | $6,690+92.8% |
| Admin fee / account holder | $947 | $17,133-94.5% | $10,958-91.4% | $13,392-92.9% |