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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 | $143,156 | $152,619-6.2% | $125,195+14.3% | $152,909-6.4% |
| Participation rate | 78.6% | 83.3%-4.8pp | 79.8%-1.2pp | 82.5%-3.9pp |
| Annual return | 6.85% | 54.85%-48.0pp | 43.79%-36.9pp | 345.46%-338.6pp |
| Employer contribution / active EE | $1,646 | $4,947-66.7% | $3,866-57.4% | $4,764-65.4% |
| Participant deferral / active EE | $5,937 | $5,869+1.2% | $4,937+20.2% | $5,851+1.5% |
| Admin fee / account holder | $1,857 | $13,437-86.2% | $9,704-80.9% | $11,601-84.0% |