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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 | $109,248 | $112,121-2.6% | $95,960+13.8% | $158,966-31.3% |
| Participation rate | 92.3% | 79.0%+13.3pp | 77.1%+15.2pp | 82.0%+10.3pp |
| Annual return | 4.27% | 171.16%-166.9pp | 91.63%-87.4pp | 302.95%-298.7pp |
| Employer contribution / active EE | $5,113 | $3,199+59.8% | $2,541+101.2% | $4,762+7.4% |
| Participant deferral / active EE | $5,282 | $4,784+10.4% | $4,167+26.8% | $5,983-11.7% |
| Admin fee / account holder | $6,589 | $10,135-35.0% | $6,797-3.1% | $11,250-41.4% |