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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 | $95,500 | $183,592-48.0% | $155,574-38.6% | $145,877-34.5% |
| Participation rate | 92.3% | 82.7%+9.6pp | 78.2%+14.1pp | 80.3%+12.0pp |
| Annual return | 7.75% | 61.37%-53.6pp | 64.87%-57.1pp | 551.28%-543.5pp |
| Employer contribution / active EE | $1,865 | $5,317-64.9% | $4,676-60.1% | $4,663-60.0% |
| Participant deferral / active EE | $8,238 | $6,466+27.4% | $5,629+46.3% | $6,691+23.1% |
| Admin fee / account holder | $4,101 | $19,316-78.8% | $15,914-74.2% | $13,402-69.4% |