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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 | $95,073 | $108,942-12.7% | $100,415-5.3% | $145,897-34.8% |
| Participation rate | 95.0% | 83.0%+12.0pp | 81.5%+13.5pp | 80.3%+14.7pp |
| Annual return | 7.26% | 58.27%-51.0pp | 49.47%-42.2pp | 552.29%-545.0pp |
| Employer contribution / active EE | $7,671 | $4,422+73.5% | $3,943+94.5% | $4,663+64.5% |
| Participant deferral / active EE | $6,716 | $8,461-20.6% | $8,091-17.0% | $6,689+0.4% |
| Admin fee / account holder | $389 | $9,702-96.0% | $7,906-95.1% | $13,390-97.1% |