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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 | $105,554 | $198,462-46.8% | $170,439-38.1% | $147,585-28.5% |
| Participation rate | 95.7% | 88.0%+7.7pp | 83.6%+12.1pp | 82.8%+12.8pp |
| Annual return | 5.65% | 257.30%-251.6pp | 205.94%-200.3pp | 578.58%-572.9pp |
| Employer contribution / active EE | $1,952 | $6,184-68.4% | $5,433-64.1% | $4,876-60.0% |
| Participant deferral / active EE | $9,996 | $5,629+77.6% | $4,939+102.4% | $5,439+83.8% |
| Admin fee / account holder | $3,583 | $16,852-78.7% | $13,881-74.2% | $10,886-67.1% |