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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 | $183,516-48.0% | $155,534-38.6% | $145,884-34.5% |
| Participation rate | 92.3% | 82.7%+9.6pp | 78.2%+14.1pp | 80.3%+12.0pp |
| Annual return | 7.75% | 61.43%-53.7pp | 64.92%-57.2pp | 551.85%-544.1pp |
| Employer contribution / active EE | $1,865 | $5,315-64.9% | $4,675-60.1% | $4,662-60.0% |
| Participant deferral / active EE | $8,238 | $6,467+27.4% | $5,630+46.3% | $6,690+23.1% |
| Admin fee / account holder | $4,101 | $19,293-78.7% | $15,900-74.2% | $13,392-69.4% |