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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 | $71,603 | $106,008-32.5% | $92,240-22.4% | $147,586-51.5% |
| Participation rate | 81.8% | 80.4%+1.4pp | 76.5%+5.3pp | 82.8%-1.0pp |
| Annual return | 9.32% | 50.05%-40.7pp | 176.29%-167.0pp | 578.59%-569.3pp |
| Employer contribution / active EE | $2,006 | $4,333-53.7% | $3,680-45.5% | $4,876-58.9% |
| Participant deferral / active EE | $2,075 | $4,478-53.7% | $3,897-46.8% | $5,439-61.9% |
| Admin fee / account holder | $8,885 | $6,333+40.3% | $5,194+71.1% | $10,886-18.4% |