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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 | $106,244 | $105,145+1.0% | $94,664+12.2% | $139,466-23.8% |
| Participation rate | 70.0% | 82.4%-12.4pp | 80.8%-10.8pp | 80.3%-10.3pp |
| Annual return | 8.53% | 38.09%-29.6pp | 156.84%-148.3pp | 373.66%-365.1pp |
| Employer contribution / active EE | $7,051 | $4,107+71.7% | $3,673+92.0% | $4,754+48.3% |
| Participant deferral / active EE | $5,837 | $7,599-23.2% | $7,417-21.3% | $6,712-13.0% |
| Admin fee / account holder | $1,232 | $8,972-86.3% | $7,222-82.9% | $11,409-89.2% |