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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 | $82,117 | $118,708-30.8% | $98,920-17.0% | $158,982-48.3% |
| Participation rate | 76.2% | 77.8%-1.6pp | 76.0%+0.2pp | 82.0%-5.8pp |
| Annual return | 3.99% | 372.49%-368.5pp | 196.47%-192.5pp | 302.99%-299.0pp |
| Employer contribution / active EE | $1,503 | $3,334-54.9% | $2,689-44.1% | $4,763-68.4% |
| Participant deferral / active EE | $2,991 | $5,089-41.2% | $4,245-29.5% | $5,983-50.0% |
| Admin fee / account holder | $20,135 | $10,134+98.7% | $6,643+203.1% | $11,252+79.0% |