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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 | $223,090 | $107,368+107.8% | $92,915+140.1% | $152,909+45.9% |
| Participation rate | 93.3% | 79.8%+13.5pp | 76.0%+17.3pp | 82.5%+10.9pp |
| Annual return | 1.62% | 145.64%-144.0pp | 109.45%-107.8pp | 345.46%-343.8pp |
| Employer contribution / active EE | $2,033 | $4,222-51.9% | $3,653-44.4% | $4,764-57.3% |
| Participant deferral / active EE | $6,995 | $4,848+44.3% | $4,238+65.0% | $5,851+19.5% |
| Admin fee / account holder | $16,999 | $7,082+140.0% | $5,796+193.3% | $11,601+46.5% |