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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 | $99,345 | $111,878-11.2% | $93,727+6.0% | $145,897-31.9% |
| Participation rate | 85.7% | 74.2%+11.5pp | 68.7%+17.0pp | 80.3%+5.4pp |
| Annual return | 6.62% | 204.28%-197.7pp | 133.83%-127.2pp | 552.29%-545.7pp |
| Employer contribution / active EE | $836 | $3,092-73.0% | $2,421-65.5% | $4,663-82.1% |
| Participant deferral / active EE | $7,181 | $4,920+45.9% | $4,417+62.6% | $6,689+7.3% |
| Admin fee / account holder | $1,279 | $10,256-87.5% | $8,292-84.6% | $13,390-90.4% |