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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 | $79,969 | $58,311+37.1% | $81,882-2.3% | $80,959-1.2% |
| Participation rate | 92.9% | 63.5%+29.4pp | 72.4%+20.5pp | 67.7%+25.2pp |
| Annual return | 5.51% | 41.85%-36.3pp | 779.47%-774.0pp | 35.67%-30.2pp |
| Employer contribution / active EE | $2,121 | $2,347-9.6% | $2,916-27.3% | $2,757-23.1% |
| Participant deferral / active EE | $4,339 | $3,287+32.0% | $4,323+0.4% | $4,300+0.9% |
| Admin fee / account holder | $7,873 | $4,752+65.7% | $7,360+7.0% | $6,925+13.7% |