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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 | $73,745 | $100,203-26.4% | $85,240-13.5% | $145,897-49.5% |
| Participation rate | 93.3% | 74.1%+19.2pp | 67.5%+25.8pp | 80.3%+13.0pp |
| Annual return | 7.39% | 84.28%-76.9pp | 66.75%-59.4pp | 552.29%-544.9pp |
| Employer contribution / active EE | $3,886 | $3,242+19.9% | $2,735+42.1% | $4,663-16.7% |
| Participant deferral / active EE | $6,449 | $5,299+21.7% | $4,527+42.5% | $6,689-3.6% |
| Admin fee / account holder | $9,562 | $7,265+31.6% | $6,165+55.1% | $13,390-28.6% |