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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 | $108,436 | $124,351-12.8% | $109,188-0.7% | $167,553-35.3% |
| Participation rate | 95.7% | 79.4%+16.2pp | 75.9%+19.8pp | 82.1%+13.5pp |
| Annual return | 8.42% | 26.04%-17.6pp | 25.76%-17.3pp | 478.89%-470.5pp |
| Employer contribution / active EE | $6,396 | $4,210+51.9% | $3,723+71.8% | $4,840+32.2% |
| Participant deferral / active EE | $1,628 | $5,257-69.0% | $4,654-65.0% | $6,343-74.3% |
| Admin fee / account holder | $2,675 | $7,975-66.5% | $6,755-60.4% | $12,316-78.3% |