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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 | $84,940 | $102,638-17.2% | $81,991+3.6% | $158,966-46.6% |
| Participation rate | 86.7% | 75.5%+11.1pp | 69.3%+17.4pp | 82.0%+4.7pp |
| Annual return | 2.45% | 61.05%-58.6pp | 41.31%-38.9pp | 302.95%-300.5pp |
| Employer contribution / active EE | $6,016 | $3,241+85.6% | $2,498+140.8% | $4,762+26.3% |
| Participant deferral / active EE | $8,154 | $4,649+75.4% | $3,722+119.0% | $5,983+36.3% |
| Admin fee / account holder | $1,082 | $8,237-86.9% | $5,665-80.9% | $11,250-90.4% |