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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 | $102,429-26.9% | $147,096-49.1% | $80,925-7.5% |
| Participation rate | 84.1% | 75.9%+8.2pp | 82.2%+1.9pp | 67.7%+16.4pp |
| Annual return | 10.91% | 135.02%-124.1pp | 419.75%-408.8pp | 35.65%-24.7pp |
| Employer contribution / active EE | $7,697 | $3,716+107.1% | $4,936+55.9% | $2,756+179.2% |
| Participant deferral / active EE | $6,991 | $6,649+5.1% | $8,071-13.4% | $4,299+62.6% |
| Admin fee / account holder | $8,666 | $7,957+8.9% | $13,005-33.4% | $6,940+24.9% |