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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 | $56,386 | $132,634-57.5% | $115,768-51.3% | $137,256-58.9% |
| Participation rate | 93.3% | 77.9%+15.5pp | 74.4%+18.9pp | 80.0%+13.4pp |
| Annual return | 7.73% | 160.70%-153.0pp | 100.46%-92.7pp | 220.34%-212.6pp |
| Employer contribution / active EE | $10,209 | $3,360+203.9% | $2,940+247.3% | $4,156+145.6% |
| Participant deferral / active EE | $3,375 | $5,619-39.9% | $4,917-31.4% | $6,407-47.3% |
| Admin fee / account holder | $4,361 | $15,028-71.0% | $12,439-64.9% | $12,270-64.5% |