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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 | $104,862 | $183,592-42.9% | $155,574-32.6% | $145,877-28.1% |
| Participation rate | 92.9% | 82.7%+10.2pp | 78.2%+14.6pp | 80.3%+12.6pp |
| Annual return | 8.62% | 61.37%-52.8pp | 64.87%-56.2pp | 551.28%-542.7pp |
| Employer contribution / active EE | $2,703 | $5,317-49.2% | $4,676-42.2% | $4,663-42.0% |
| Participant deferral / active EE | $5,257 | $6,466-18.7% | $5,629-6.6% | $6,691-21.4% |
| Admin fee / account holder | $1,100 | $19,316-94.3% | $15,914-93.1% | $13,402-91.8% |