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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 | $172,111-39.1% | $150,298-30.2% | $137,256-23.6% |
| Participation rate | 85.7% | 81.7%+4.0pp | 77.8%+8.0pp | 80.0%+5.8pp |
| Annual return | 6.04% | 69.37%-63.3pp | 62.79%-56.7pp | 220.34%-214.3pp |
| Employer contribution / active EE | $7,797 | $4,636+68.2% | $4,154+87.7% | $4,156+87.6% |
| Participant deferral / active EE | $5,921 | $6,166-4.0% | $5,453+8.6% | $6,407-7.6% |
| Admin fee / account holder | $1,570 | $16,471-90.5% | $14,116-88.9% | $12,270-87.2% |