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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 | $76,289 | $114,119-33.1% | $107,187-28.8% | $138,895-45.1% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 6.68% | 273.21%-266.5pp | 204.55%-197.9pp | 145.39%-138.7pp |
| Employer contribution / active EE | $1,813 | $4,059-55.3% | $3,782-52.1% | $4,194-56.8% |
| Participant deferral / active EE | $5,260 | $5,538-5.0% | $5,096+3.2% | $6,396-17.8% |
| Admin fee / account holder | $8,563 | $10,024-14.6% | $9,162-6.5% | $12,562-31.8% |