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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 | $61,505 | $102,422-39.9% | $147,117-58.2% | $80,959-24.0% |
| Participation rate | 88.3% | 75.9%+12.5pp | 82.2%+6.1pp | 67.7%+20.7pp |
| Annual return | 8.29% | 135.16%-126.9pp | 420.54%-412.2pp | 35.67%-27.4pp |
| Employer contribution / active EE | $4,537 | $3,717+22.0% | $4,932-8.0% | $2,757+64.5% |
| Participant deferral / active EE | $8,161 | $6,652+22.7% | $8,065+1.2% | $4,300+89.8% |
| Admin fee / account holder | $3,206 | $7,953-59.7% | $12,993-75.3% | $6,925-53.7% |