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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 | $124,896 | $217,432-42.6% | $185,849-32.8% | $167,536-25.5% |
| Participation rate | 81.8% | 86.1%-4.2pp | 81.7%+0.1pp | 82.1%-0.3pp |
| Annual return | 4.61% | 148.42%-143.8pp | 122.10%-117.5pp | 478.82%-474.2pp |
| Employer contribution / active EE | $2,378 | $5,875-59.5% | $5,169-54.0% | $4,839-50.8% |
| Participant deferral / active EE | $5,016 | $6,357-21.1% | $5,569-9.9% | $6,342-20.9% |
| Admin fee / account holder | $15,860 | $19,818-20.0% | $16,244-2.4% | $12,315+28.8% |