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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 | $109,499 | $183,516-40.3% | $155,534-29.6% | $145,884-24.9% |
| Participation rate | 94.7% | 82.7%+12.0pp | 78.2%+16.5pp | 80.3%+14.4pp |
| Annual return | 8.17% | 61.43%-53.3pp | 64.92%-56.7pp | 551.85%-543.7pp |
| Employer contribution / active EE | $7,943 | $5,315+49.5% | $4,675+69.9% | $4,662+70.4% |
| Participant deferral / active EE | $6,816 | $6,467+5.4% | $5,630+21.1% | $6,690+1.9% |
| Admin fee / account holder | $2,887 | $19,293-85.0% | $15,900-81.8% | $13,392-78.4% |