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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 | $116,571 | $102,422+13.8% | $147,117-20.8% | $80,959+44.0% |
| Participation rate | 78.8% | 75.9%+2.9pp | 82.2%-3.4pp | 67.7%+11.1pp |
| Annual return | 9.90% | 135.16%-125.3pp | 420.54%-410.6pp | 35.67%-25.8pp |
| Employer contribution / active EE | $2,623 | $3,717-29.5% | $4,932-46.8% | $2,757-4.9% |
| Participant deferral / active EE | $6,816 | $6,652+2.5% | $8,065-15.5% | $4,300+58.5% |
| Admin fee / account holder | $2,188 | $7,953-72.5% | $12,993-83.2% | $6,925-68.4% |