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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 | $94,095 | $114,119-17.5% | $107,187-12.2% | $138,895-32.3% |
| Participation rate | 87.5% | 78.1%+9.4pp | 75.0%+12.5pp | 79.9%+7.6pp |
| Annual return | 5.68% | 273.21%-267.5pp | 204.55%-198.9pp | 145.39%-139.7pp |
| Employer contribution / active EE | $4,911 | $4,059+21.0% | $3,782+29.8% | $4,194+17.1% |
| Participant deferral / active EE | $14,399 | $5,538+160.0% | $5,096+182.5% | $6,396+125.1% |
| Admin fee / account holder | $507 | $10,024-94.9% | $9,162-94.5% | $12,562-96.0% |