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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 | $74,858 | $102,422-26.9% | $147,117-49.1% | $80,959-7.5% |
| Participation rate | 84.1% | 75.9%+8.2pp | 82.2%+1.9pp | 67.7%+16.4pp |
| Annual return | 10.91% | 135.16%-124.2pp | 420.54%-409.6pp | 35.67%-24.8pp |
| Employer contribution / active EE | $7,697 | $3,717+107.0% | $4,932+56.0% | $2,757+179.2% |
| Participant deferral / active EE | $6,991 | $6,652+5.1% | $8,065-13.3% | $4,300+62.6% |
| Admin fee / account holder | $8,666 | $7,953+9.0% | $12,993-33.3% | $6,925+25.1% |