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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 | $120,792 | $183,539-34.2% | $155,556-22.3% | $145,897-17.2% |
| Participation rate | 90.0% | 82.7%+7.3pp | 78.2%+11.8pp | 80.3%+9.7pp |
| Annual return | 7.88% | 61.31%-53.4pp | 64.84%-57.0pp | 552.29%-544.4pp |
| Employer contribution / active EE | $1,857 | $5,315-65.1% | $4,675-60.3% | $4,663-60.2% |
| Participant deferral / active EE | $8,270 | $6,467+27.9% | $5,631+46.9% | $6,689+23.6% |
| Admin fee / account holder | $10,383 | $19,275-46.1% | $15,885-34.6% | $13,390-22.5% |