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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 | $102,382-24.2% | $147,005-47.2% | $80,874-4.0% |
| Participation rate | 97.1% | 75.8%+21.2pp | 82.2%+14.9pp | 67.6%+29.4pp |
| Annual return | 10.69% | 134.89%-124.2pp | 418.76%-408.1pp | 35.62%-24.9pp |
| Employer contribution / active EE | $3,205 | $3,715-13.7% | $4,934-35.0% | $2,756+16.3% |
| Participant deferral / active EE | $4,827 | $6,646-27.4% | $8,070-40.2% | $4,297+12.3% |
| Admin fee / account holder | $3,996 | $7,942-49.7% | $13,006-69.3% | $6,935-42.4% |