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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 | $71,756 | $77,638-7.6% | $156,551-54.2% | $62,881+14.1% |
| Participation rate | 85.7% | 71.2%+14.5pp | 84.0%+1.7pp | 69.3%+16.4pp |
| Annual return | 1.69% | 50.33%-48.6pp | 32.23%-30.5pp | 20.14%-18.5pp |
| Employer contribution / active EE | $7,464 | $3,444+116.7% | $5,501+35.7% | $2,281+227.2% |
| Participant deferral / active EE | $4,213 | $3,046+38.3% | $4,871-13.5% | $3,203+31.5% |
| Admin fee / account holder | $73,637 | $5,561+1224.1% | $13,028+465.2% | $4,296+1614.2% |