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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 | $117,432 | $102,429+14.6% | $147,096-20.2% | $80,925+45.1% |
| Participation rate | 72.0% | 75.9%-3.9pp | 82.2%-10.2pp | 67.7%+4.3pp |
| Annual return | 10.90% | 135.02%-124.1pp | 419.75%-408.9pp | 35.65%-24.8pp |
| Employer contribution / active EE | $4,258 | $3,716+14.6% | $4,936-13.7% | $2,756+54.5% |
| Participant deferral / active EE | $3,861 | $6,649-41.9% | $8,071-52.2% | $4,299-10.2% |
| Admin fee / account holder | $705 | $7,957-91.1% | $13,005-94.6% | $6,940-89.8% |