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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 | $77,644 | $102,422-24.2% | $147,117-47.2% | $80,959-4.1% |
| Participation rate | 97.1% | 75.9%+21.2pp | 82.2%+14.9pp | 67.7%+29.4pp |
| Annual return | 10.69% | 135.16%-124.5pp | 420.54%-409.8pp | 35.67%-25.0pp |
| Employer contribution / active EE | $3,205 | $3,717-13.8% | $4,932-35.0% | $2,757+16.2% |
| Participant deferral / active EE | $4,827 | $6,652-27.4% | $8,065-40.1% | $4,300+12.2% |
| Admin fee / account holder | $3,996 | $7,953-49.8% | $12,993-69.2% | $6,925-42.3% |