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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 | $84,679 | $172,111-50.8% | $150,298-43.7% | $137,256-38.3% |
| Participation rate | 85.7% | 81.7%+4.0pp | 77.8%+8.0pp | 80.0%+5.8pp |
| Annual return | 3.07% | 69.37%-66.3pp | 62.79%-59.7pp | 220.34%-217.3pp |
| Employer contribution / active EE | $2,080 | $4,636-55.1% | $4,154-49.9% | $4,156-50.0% |
| Participant deferral / active EE | $5,773 | $6,166-6.4% | $5,453+5.9% | $6,407-9.9% |
| Admin fee / account holder | $547 | $16,471-96.7% | $14,116-96.1% | $12,270-95.5% |