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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 | $104,886 | $181,062-42.1% | $158,223-33.7% | $155,188-32.4% |
| Participation rate | 85.7% | 82.7%+3.1pp | 79.2%+6.5pp | 80.8%+4.9pp |
| Annual return | 6.04% | 57.39%-51.3pp | 52.09%-46.0pp | 148.84%-142.8pp |
| Employer contribution / active EE | $7,797 | $4,565+70.8% | $4,109+89.8% | $4,248+83.6% |
| Participant deferral / active EE | $5,921 | $6,134-3.5% | $5,467+8.3% | $6,531-9.3% |
| Admin fee / account holder | $1,570 | $18,825-91.7% | $16,047-90.2% | $14,480-89.2% |