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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 | $117,834 | $102,422+15.0% | $147,117-19.9% | $80,959+45.5% |
| Participation rate | 76.0% | 75.9%+0.1pp | 82.2%-6.2pp | 67.7%+8.3pp |
| Annual return | 11.51% | 135.16%-123.6pp | 420.54%-409.0pp | 35.67%-24.2pp |
| Employer contribution / active EE | $3,592 | $3,717-3.4% | $4,932-27.2% | $2,757+30.3% |
| Participant deferral / active EE | $7,667 | $6,652+15.3% | $8,065-4.9% | $4,300+78.3% |
| Admin fee / account holder | $5,757 | $7,953-27.6% | $12,993-55.7% | $6,925-16.9% |