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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 | $74,171 | $102,385-27.6% | $147,080-49.6% | $80,935-8.4% |
| Participation rate | 74.1% | 75.9%-1.8pp | 82.2%-8.1pp | 67.7%+6.4pp |
| Annual return | 10.76% | 135.09%-124.3pp | 420.17%-409.4pp | 35.66%-24.9pp |
| Employer contribution / active EE | $4,462 | $3,717+20.1% | $4,933-9.6% | $2,757+61.9% |
| Participant deferral / active EE | $6,280 | $6,651-5.6% | $8,066-22.1% | $4,299+46.1% |
| Admin fee / account holder | $5,181 | $7,951-34.8% | $12,989-60.1% | $6,924-25.2% |