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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 | $105,830 | $108,897-2.8% | $100,378+5.4% | $145,877-27.5% |
| Participation rate | 90.9% | 83.0%+7.9pp | 81.5%+9.4pp | 80.3%+10.6pp |
| Annual return | 9.95% | 58.17%-48.2pp | 49.41%-39.5pp | 551.28%-541.3pp |
| Employer contribution / active EE | $2,480 | $4,420-43.9% | $3,942-37.1% | $4,663-46.8% |
| Participant deferral / active EE | $9,325 | $8,455+10.3% | $8,087+15.3% | $6,691+39.4% |
| Admin fee / account holder | $334 | $9,690-96.6% | $7,899-95.8% | $13,402-97.5% |