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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 | $83,540 | $183,539-54.5% | $155,556-46.3% | $145,897-42.7% |
| Participation rate | 89.5% | 82.7%+6.8pp | 78.2%+11.2pp | 80.3%+9.2pp |
| Annual return | 5.66% | 61.31%-55.6pp | 64.84%-59.2pp | 552.29%-546.6pp |
| Employer contribution / active EE | $1,896 | $5,315-64.3% | $4,675-59.5% | $4,663-59.3% |
| Participant deferral / active EE | $3,405 | $6,467-47.3% | $5,631-39.5% | $6,689-49.1% |
| Admin fee / account holder | $146,743 | $19,275+661.3% | $15,885+823.8% | $13,390+995.9% |