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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 | $93,443 | $102,393-8.7% | $147,041-36.5% | $80,911+15.5% |
| Participation rate | 88.9% | 75.9%+13.0pp | 82.2%+6.7pp | 67.6%+21.2pp |
| Annual return | 9.09% | 134.95%-125.9pp | 419.21%-410.1pp | 35.63%-26.5pp |
| Employer contribution / active EE | $7,672 | $3,715+106.5% | $4,935+55.5% | $2,756+178.4% |
| Participant deferral / active EE | $6,920 | $6,647+4.1% | $8,071-14.3% | $4,297+61.0% |
| Admin fee / account holder | $7,491 | $7,943-5.7% | $13,006-42.4% | $6,935+8.0% |