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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 | $94,973 | $169,336-43.9% | $129,384-26.6% | $145,884-34.9% |
| Participation rate | 80.0% | 76.5%+3.5pp | 69.6%+10.4pp | 80.3%-0.3pp |
| Annual return | 6.50% | 14408.70%-14402.2pp | 9461.77%-9455.3pp | 551.85%-545.3pp |
| Employer contribution / active EE | $4,697 | $5,540-15.2% | $4,153+13.1% | $4,662+0.8% |
| Participant deferral / active EE | $10,748 | $4,985+115.6% | $4,166+158.0% | $6,690+60.7% |
| Admin fee / account holder | $5,723 | $9,912-42.3% | $7,686-25.5% | $13,392-57.3% |