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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 | $61,564 | $111,535-44.8% | $105,223-41.5% | $137,256-55.1% |
| Participation rate | 82.4% | 78.1%+4.3pp | 75.0%+7.3pp | 80.0%+2.4pp |
| Annual return | 8.23% | 237.85%-229.6pp | 180.65%-172.4pp | 220.34%-212.1pp |
| Employer contribution / active EE | $2,742 | $3,939-30.4% | $3,689-25.7% | $4,156-34.0% |
| Participant deferral / active EE | $3,976 | $5,500-27.7% | $5,072-21.6% | $6,407-37.9% |
| Admin fee / account holder | $9,962 | $9,721+2.5% | $8,859+12.5% | $12,270-18.8% |