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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 | $89,991 | $148,623-39.5% | $135,974-33.8% | $139,466-35.5% |
| Participation rate | 85.7% | 83.9%+1.9pp | 81.9%+3.8pp | 80.3%+5.4pp |
| Annual return | 10.61% | 79.30%-68.7pp | 68.30%-57.7pp | 373.66%-363.1pp |
| Employer contribution / active EE | $4,163 | $5,246-20.7% | $4,859-14.3% | $4,754-12.4% |
| Participant deferral / active EE | $7,808 | $8,103-3.6% | $7,760+0.6% | $6,712+16.3% |
| Admin fee / account holder | $122,864 | $12,406+890.4% | $10,767+1041.2% | $11,409+976.9% |