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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 | $86,867 | $172,111-49.5% | $150,298-42.2% | $137,256-36.7% |
| Participation rate | 90.5% | 81.7%+8.8pp | 77.8%+12.7pp | 80.0%+10.5pp |
| Annual return | 5.73% | 69.37%-63.6pp | 62.79%-57.1pp | 220.34%-214.6pp |
| Employer contribution / active EE | $5,055 | $4,636+9.0% | $4,154+21.7% | $4,156+21.6% |
| Participant deferral / active EE | $6,533 | $6,166+6.0% | $5,453+19.8% | $6,407+2.0% |
| Admin fee / account holder | $2,226 | $16,471-86.5% | $14,116-84.2% | $12,270-81.9% |