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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 | $82,210 | $197,625-58.4% | $177,840-53.8% | $158,966-48.3% |
| Participation rate | 86.7% | 88.5%-1.9pp | 87.7%-1.1pp | 82.0%+4.7pp |
| Annual return | 3.92% | 58.76%-54.8pp | 48.32%-44.4pp | 302.95%-299.0pp |
| Employer contribution / active EE | $6,159 | $6,698-8.0% | $5,919+4.1% | $4,762+29.3% |
| Participant deferral / active EE | $6,987 | $8,405-16.9% | $7,714-9.4% | $5,983+16.8% |
| Admin fee / account holder | $10,876 | $15,405-29.4% | $12,431-12.5% | $11,250-3.3% |