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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 | $72,697 | $105,158-30.9% | $94,672-23.2% | $139,487-47.9% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 9.53% | 38.11%-28.6pp | 156.89%-147.4pp | 373.84%-364.3pp |
| Employer contribution / active EE | $1,847 | $4,107-55.0% | $3,673-49.7% | $4,755-61.2% |
| Participant deferral / active EE | $11,335 | $7,599+49.2% | $7,417+52.8% | $6,713+68.9% |
| Admin fee / account holder | $1,341 | $8,972-85.1% | $7,222-81.4% | $11,407-88.2% |