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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 | $85,643 | $102,429-16.4% | $147,096-41.8% | $80,925+5.8% |
| Participation rate | 77.8% | 75.9%+1.9pp | 82.2%-4.4pp | 67.7%+10.1pp |
| Annual return | 11.18% | 135.02%-123.8pp | 419.75%-408.6pp | 35.65%-24.5pp |
| Employer contribution / active EE | $7,580 | $3,716+104.0% | $4,936+53.6% | $2,756+175.0% |
| Participant deferral / active EE | $7,580 | $6,649+14.0% | $8,071-6.1% | $4,299+76.3% |
| Admin fee / account holder | $29,312 | $7,957+268.4% | $13,005+125.4% | $6,940+322.4% |