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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 | $170,048 | $95,664+77.8% | $76,902+121.1% | $139,487+21.9% |
| Participation rate | 93.8% | 74.0%+19.7pp | 69.6%+24.1pp | 80.3%+13.4pp |
| Annual return | 0.97% | 55.03%-54.1pp | 37.91%-36.9pp | 373.84%-372.9pp |
| Employer contribution / active EE | $7,706 | $3,147+144.9% | $2,534+204.1% | $4,755+62.1% |
| Participant deferral / active EE | $5,863 | $4,626+26.7% | $3,833+53.0% | $6,713-12.7% |
| Admin fee / account holder | $2,223 | $8,311-73.2% | $5,479-59.4% | $11,407-80.5% |