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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 | $70,449 | $107,353-34.4% | $92,903-24.2% | $152,885-53.9% |
| Participation rate | 91.7% | 79.8%+11.9pp | 76.0%+15.7pp | 82.5%+9.2pp |
| Annual return | 2.75% | 145.62%-142.9pp | 109.43%-106.7pp | 345.39%-342.6pp |
| Employer contribution / active EE | $1,837 | $4,222-56.5% | $3,653-49.7% | $4,763-61.4% |
| Participant deferral / active EE | $4,899 | $4,848+1.1% | $4,238+15.6% | $5,851-16.3% |
| Admin fee / account holder | $13,137 | $7,081+85.5% | $5,795+126.7% | $11,598+13.3% |